Most online tools assume a simplified timeline: injury severity, treatment duration, and missed work. Real TBI claims are messier. In Florida, adjusters frequently look for clarity on:
- When symptoms began after the crash or incident
- Whether treatment was sought promptly (ER/urgent care, then follow-up)
- Consistency between your medical notes and what you report later
- Objective support for lingering effects (even when imaging is normal)
A concussion can still cause serious, long-lasting problems—headaches, dizziness, concentration issues, sleep disruption, mood changes—yet those effects may not be “visible” on a scan. That’s why a calculator can provide only a rough starting point.


