AI tools typically work like this: you enter a few details, and the tool outputs a broad range. That range may sound comforting, but it’s rarely calibrated to the realities that affect settlement value—particularly in cases involving:
- Commuter and traffic patterns (speed, lane changes, distraction, and visibility on fast-moving corridors)
- Multi-party collisions where fault is shared or contested
- Construction and roadway work zones near major routes, where documentation gaps can be critical
- Pedestrian and crosswalk incidents in denser residential areas where insurers may dispute “foreseeability”
Even a sophisticated tool can’t review the police report, data downloads, medical causation, or witness credibility. And those items are exactly what insurance adjusters use when deciding whether to offer a fair settlement or hold out.


