Most AI tools work by mapping a few inputs (age, relationship, general expenses) to a generic range. That approach breaks down in real cases—particularly when liability is contested.
In Granbury, common friction points include:
- Crash severity vs. reported fault: Statements from the scene or early reports may not reflect what later evidence shows (camera data, vehicle data, witness credibility).
- Timing issues: In some fatalities, the death occurs days or weeks after the incident, which can lead to disputes about whether the incident truly caused the death.
- Insurance posture: Insurers may emphasize uncertainties early to reduce payout value.
An AI estimate can’t review police reports, medical records, or technical evidence. It also can’t predict how an adjuster will value litigation risk when Texas liability standards and proof requirements are in play.


