An AI tool typically works like a structured intake form. You enter details such as:
- where the injury occurred (car crash, fall, workplace incident)
- what symptoms you experienced (headaches, dizziness, memory problems, sleep disruption)
- what treatment you received (ER visit, follow-ups, therapy)
- how the injury affected day-to-day functioning (work performance, household tasks)
In Helena, those inputs matter because insurers commonly focus on timing and documentation—especially when symptoms develop after the initial event (which is common with concussions).
A calculator can be useful as a planning tool, for example:
- identifying which medical records you may need to request
- organizing a timeline for your attorney
- estimating categories of damages you might discuss during settlement
But it’s not a settlement number. In Montana, the value of a claim still depends on proof of fault, causation, and damages—not just a statistical guess.


