Most settlement calculators are built on generic inputs. But TBI claims are highly sensitive to evidence quality—especially in cases where the symptoms are real yet not always “obvious.”
In practical terms, insurers frequently focus on:
- Whether symptoms were reported consistently from the beginning of treatment
- Whether treatment was timely and followed (and how gaps are explained)
- Whether the injury is tied to the incident using both accident facts and medical notes
- Whether work restrictions were documented (important when symptoms affect concentration, reaction time, or safety)
A tool can suggest a range, but it can’t account for the local reality that many disputes turn on credibility, causation, and functional proof.


