Online calculators often use simplified assumptions—treatment duration, hospital stay length, or generic symptom categories. But settlement value in Illinois is driven by what can be proven.
For head injuries, that means insurers look closely at:
- how quickly you sought care after the incident
- whether your symptoms were documented consistently over time
- whether clinicians linked your limitations to the mechanism of injury
- how the injury affected real-life functioning (including work and daily responsibilities)
In other words, the “number” you see online is usually a starting point, not a prediction.


