AI tools typically work like this: they ask for a few basic facts and then produce a predicted outcome based on generalized patterns. That approach breaks down in real cases where the facts are disputed.
In Dixon and throughout Illinois, insurers often focus on issues like:
- Whether the defendant was actually at fault (or whether another driver, a third party, or roadway conditions played a bigger role)
- Causation—whether the wrongful conduct truly caused the death, not just the injury
- Documentation gaps—what was recorded at the scene, what appears in emergency reports, and what medical records can confirm
A calculator can’t review Illinois police reports, emergency documentation, medical timelines, or witness statements. It also can’t assess how a jury might react to the evidence.


