In practice, people in Jackson may have the diagnosis first (concussion, mild TBI, post-concussion syndrome, etc.)—but the settlement often hinges on whether the medical record supports:
- When symptoms started after the incident
- How consistently you sought care (and why any gaps occurred)
- What providers documented about cognition, headaches, mood, balance, or sleep
- How symptoms affected real life, like job duties, concentration, and daily tasks
Because TBI symptoms can overlap with migraines, anxiety, sleep disorders, and other conditions, insurers frequently argue that the incident didn’t cause the ongoing problems—or that the severity is exaggerated. In Michigan, that means your strongest “calculator inputs” are usually your timeline and your proof.


