TBI symptoms can be real but hard to “show” to an insurance adjuster—fatigue, headaches, memory gaps, dizziness, and mood changes may not be obvious in a quick conversation. In Ukiah, where many cases involve drivers, pedestrians, and everyday premises incidents, insurers often focus on one theme: whether the injury is supported by objective records and consistent reporting.
A calculator can’t replace evidence. What typically matters more:
- Emergency and follow-up documentation after the incident
- Treatment consistency (appointments kept, therapy attended, prescribed meds taken)
- Functional impact tied to work, driving, daily care, and safety
- Causation clarity—how the accident mechanism connects to the brain injury diagnosis


