Many AI tools present a neat range, but they can miss what local adjusters focus on:
- Symptom timing after a commute-related crash. If headaches, dizziness, or concentration problems began after the incident (or worsened later), the medical record needs a consistent timeline.
- Documentation quality. In Indiana, insurers commonly scrutinize whether treatment followed reasonable medical advice and whether notes tie symptoms to the accident.
- Functional impact beyond diagnosis labels. Cognitive issues (memory, attention, mood changes) are not automatically valued the same as “objective” injuries unless the file shows how they affect work and daily life.
An AI output can be useful for organizing questions, but it shouldn’t be treated as a prediction of what you’ll be offered.


