Most online tools treat a head injury like a checklist: severity, time missed from work, and treatment length. Real TBI settlements are different.
In Sterling, adjusters commonly focus on whether you have:
- Consistent documentation of symptoms (headaches, dizziness, memory issues, mood changes)
- Medical visits that track the progression of recovery
- Records tying the injury to a specific incident (not just “sometime this year”)
- Evidence of work restrictions or functional limits tied to medical advice
If any of those pieces are missing—or if the story can’t be lined up with the timeline—settlement value can drop quickly.


