AI tools typically work by asking questions about injury severity and bills, then applying simplified assumptions. That can feel useful—until the details that matter most in Ypsilanti are missing.
For example, crashes near high-traffic commuting routes often raise evidence issues that calculators can’t “see,” such as:
- Conflicting accounts from multiple vehicles involved in traffic merges
- Driver behavior explanations that require reviewing event data, not just narratives
- Damage patterns that suggest speed or braking disputes
- Delays in treatment because symptoms weren’t obvious at first
In Michigan, insurers may also try to narrow exposure by arguing about timing, causation, and what treatment was “reasonable.” An AI estimate can’t model those arguments the way an attorney can.
The practical takeaway: use an estimate as a starting point, not as a ceiling.


