An AI “calculator” can be tempting because it offers instant structure: it may ask about the type of head injury, symptoms, treatment, and lost income, then return a rough range.
But in South Carolina, insurers still decide claims based on proof—not just diagnosis labels. For TBI cases, the biggest problem with AI estimates is that they can’t reliably confirm:
- whether your symptoms were caused by the specific incident (not migraines, stress, sleep issues, or preexisting conditions)
- whether your medical documentation supports the severity and duration you report
- whether your functional limitations were consistent and observable over time
Bottom line: treat an AI output as a starting point for questions to answer—not as a promise of what you’ll receive.


