Most AI tools generate a range based on inputs like diagnosis labels, symptom categories, and treatment duration. That can be useful for organizing questions—but it’s not the same as how adjusters evaluate a claim file.
In Missoula, the mismatch often comes from details that an AI model can’t reliably capture, such as:
- How long symptoms lasted and whether you followed up with appropriate care
- Whether your medical notes consistently describe cognitive and neurological effects (not just “feeling off”)
- Whether your timeline lines up with the incident—especially when symptoms evolve days later
- Whether the other side disputes causation (that your symptoms came from the crash or incident)
When insurers sense gaps, they frequently reduce value—not necessarily because you weren’t hurt, but because the file doesn’t “prove” the injury the way they require.


