In real settlements, insurers don’t pay based on injury severity alone. They evaluate whether:
- Negligence can be proven (a breach of the standard of care)
- Causation is supported (the breach likely caused your specific harm)
- Damages are documented (past and future losses supported by records)
That means two people with similar symptoms can end up with very different outcomes—especially when medical records, imaging, lab results, and physician notes tell different stories.


