People often assume a TBI’s value is driven mainly by the diagnosis—“concussion,” “mild TBI,” or “post-concussion syndrome.” In practice, Culpeper cases are shaped by evidence and timeline:
- How the crash or incident is documented (police report details, witness statements, photos/video)
- How quickly symptoms were reported and treated after the event
- Whether you followed through with concussion/neurology care and recommended restrictions
- How the injury affected your work and daily functioning—especially if you commute, drive for job duties, or manage family responsibilities
An AI tool may give a range, but insurers and adjusters will still ask: Is the medical story consistent? Is causation supported? Did symptoms persist because of the incident?


