Many AI-style calculators generate a range based on inputs like diagnosis type, treatment, and symptom duration. That can be helpful for organizing questions—but it’s not the same as a valuation.
In real cases, insurers weigh details that AI often can’t “see,” such as:
- Whether the first medical visit connects your symptoms to the incident
- How consistent your follow-up care is (for example, whether you kept concussion/neurology appointments)
- How your symptoms show up functionally—not just what you were diagnosed with
- Whether fault is disputed, especially in multi-vehicle crashes common on busy corridors
For Huron residents, the practical takeaway is simple: treat an AI estimate as a checklist, not an outcome.


