Most calculators use simplified assumptions (severity level, treatment duration, missed work). Real cases are different. For TBI claims in California, insurers typically focus on whether the medical record and the incident history line up clearly—especially when symptoms can be subjective.
In practice, your settlement range is shaped by things like:
- The consistency between the accident timeline and your medical visits
- Whether clinicians document functional impact (not just symptoms)
- How quickly you sought care and followed recommended treatment
- Whether the other side challenges causation (for example, arguing the symptoms existed before)
A calculator can be a starting point, but it can’t account for the evidence-specific risks that show up in Norwalk cases.


