Many TBI calculators rely on assumptions (how long you were treated, how severe the injury was, how much work you missed). But Ontario claims often involve messy real-world variables:
- Delayed symptom recognition after freeway or intersection crashes
- Gaps in treatment caused by scheduling issues, transportation constraints, or returning to work before recovery is stable
- Disputes about causation, especially when pre-existing conditions are mentioned
A calculator can be a starting point, but it can’t account for the evidence insurers in California typically expect—nor the way your day-to-day functioning is documented.


