Many Scotts Valley families are dealing with immediate financial pressure: medical bills, funeral costs, lost wages, and the uncertainty of how long it will take to get answers from insurance and other parties.
That urgency is understandable. Still, AI tools are typically built to generate a broad range based on limited inputs. They can’t account for what California insurers scrutinize first—who was responsible, what the records show, and whether the defense is likely to contest causation.


