AI tools typically work by taking the information you type in—injury date, body part, treatment history, missed work—and mapping it to patterns seen in other cases. That can create a range that seems reasonable.
The problem is that settlement value in workers’ comp is rarely decided by “injury type” alone. In Fairfax claims, insurers commonly focus on things like:
- Whether your medical timeline is consistent (not just that you were seen)
- Whether work restrictions were clearly documented and followed
- Whether wage loss is supported by pay records that match how you actually worked
- Whether the claim is being managed as accepted, disputed, or modified
An AI calculator can’t reliably confirm any of that. It can’t review your actual medical records or interpret conflicting reports, and it can’t predict how an adjuster will frame disputed issues.


