A generic calculator can be useful for ballparking, but it usually can’t account for how insurers evaluate proof in California—especially when symptoms are cognitive or emotional.
In Tustin (and across CA), adjusters commonly scrutinize:
- Consistency between the mechanism of injury and the medical narrative (how it happened vs. what was diagnosed)
- Whether treatment was prompt and continuous enough to support ongoing impairment
- Functional impact—not just diagnosis labels
- Comparative fault arguments that may reduce recovery even when you were injured in a traffic-heavy area
Because of that, two people with “similar” TBIs can see very different results depending on documentation quality and how well the evidence explains daily limitations.


