In practice, insurers don’t rely on one magic figure. They look at a combination of:
- Medical documentation (diagnosis, symptom tracking, treatment, and prognosis)
- Functional impact (work restrictions, cognitive changes, sleep disruption, mood effects)
- Causation (how the accident mechanism matches the injury described by clinicians)
- Liability defenses (comparative fault arguments, gaps in treatment, or disputes about severity)
A “settlement calculator” may provide a rough starting point, but in Palmetto cases, the outcome often hinges on how clearly your records tell the story—especially where symptoms can be subjective (headaches, dizziness, memory problems) and where adjusters may question consistency.


