Many online tools promise a quick number after you enter a few details. That can feel reassuring when you’re dealing with dizziness, headaches, cognitive fog, or personality changes.
But in Virginia—where insurers scrutinize causation and documentation—your value usually turns less on the label (“concussion,” “mTBI,” “TBI”) and more on:
- How the injury ties to the incident (medical notes that connect symptoms to the crash/fall)
- Whether symptoms and treatment stayed consistent
- What your impairment looks like day-to-day (not just what you felt)
- Whether fault is shared or disputed
In other words: a calculator may help you think in categories, but it can’t verify the medical record, interpret neurological findings, or predict how a defense will argue the facts.


