Most AI tools work like a “screening calculator.” They ask for basic information (age, incident type, relationship, some expense categories) and then generate a number based on averages.
In Key Biscayne cases, average outcomes often miss key issues such as:
- Causation tied to traffic conditions. Whether a crash happened during peak commuting hours, involved impaired driving, or included delayed reaction time can change how fault is argued.
- Evidence that is time-sensitive. Surveillance footage, vehicle data, and witness availability may affect what can be proven—and what insurers assume.
- Unclear responsibility across multiple parties. Liability may involve drivers, property owners, contractors, or other entities connected to the scene.
An AI tool may give you a starting point. It can’t evaluate the specific evidence story that insurance adjusters and, if needed, a jury would weigh.


