Most online tools estimate value using a simplified checklist. Real negotiations are different. In Colorado, insurers typically look for evidence that connects:
- How the head injury occurred (the accident timeline and mechanism)
- What the injury caused, functionally (not just that symptoms exist)
- Whether the treatment course matches the reported severity
- Whether you followed through on care or whether gaps can be explained
For example, someone who lives near Greeley’s commuting routes may return to work faster than they should—sometimes because employers need coverage or because symptoms are manageable on “good days.” Insurers may use that to argue the injury was minor. The strongest claims address this with consistent medical documentation and work-impact evidence.


