AI-based calculators can organize information, but they can’t see your medical file the way a legal team reviews it. In New Hope claims, the gap usually shows up in a few predictable places:
- Symptom documentation timing: Minnesota insurers commonly scrutinize whether symptoms were reported promptly and consistently after the incident.
- Objective vs. subjective evidence: Brain injuries can be “invisible,” so records like follow-up notes, concussion clinic evaluation, therapy documentation, and neuro assessments often matter.
- Causation challenges: Adjusters may argue your symptoms fit another cause (migraine history, stress, sleep issues). Your medical timeline is how those arguments get tested.
An AI tool may suggest a range, but settlement value usually turns on what can be proven—not just what can be predicted.


