An AI calculator usually functions like a structured intake form—it prompts you for inputs like injury timing, symptoms, treatment history, and functional impact, and then outputs a rough range. For people dealing with concussion symptoms (headaches, dizziness, memory gaps, irritability, trouble focusing), that can feel helpful because it turns chaos into categories.
But in real claim negotiations, insurers don’t pay because you entered answers into a model. They pay (or deny) based on:
- Whether the injury is medically documented
- Whether the accident timeline matches the symptom timeline
- Whether symptoms persisted and were treated consistently
- Whether the evidence ties the injury to work and daily-life losses
In other words: an AI output can point to questions you should be asking—not a number you should treat as your settlement.


