AI-style calculators can be useful for brainstorming categories (medical bills, wage loss, future care). In practice, though, insurers in Ohio evaluate TBI claims through the lens of:
- Causation (what specifically connects the crash/fall to brain-related symptoms)
- Consistency (how steadily symptoms were reported and treated)
- Functional impact (how symptoms changed work, driving, parenting, and daily routines)
- Objective support (neurology findings, imaging when available, therapy/clinic notes)
If your symptoms are documented, treatment is tracked, and the timeline is coherent, your claim is easier to value. If records are incomplete—especially when cognitive issues make it harder to remember dates or keep appointments—an AI output can look “precise” while missing what really drives settlement value.


