AI calculators are typically built to take inputs—like injury type, treatment timing, and reported symptoms—and output a range. That can be helpful when you’re trying to understand what categories of harm a claim may involve (medical bills, lost wages, and non-economic impacts).
However, AI often can’t see the things adjusters will focus on in Matthews cases, such as:
- Whether your symptoms were documented early after the incident
- Whether treatment was consistent or had gaps
- Whether your medical records connect the accident to ongoing cognitive or neurological effects
- Whether there were pre-existing conditions that could be raised as an alternative explanation
Treat an AI estimate like a checklist generator, not a valuation guarantee. If the tool’s assumptions don’t match your records, the “range” can mislead you.


