Many online tools assume injuries follow a predictable path. In real cases—especially after accidents that involve sudden stops, rear-end impacts, or pedestrian/vehicle conflicts—TBI symptoms can show up, change, or linger in ways that are not captured by a generic formula.
In practice, insurers in Louisiana often look for:
- Objective medical documentation (ER records, follow-up notes, imaging when available)
- Consistency in how symptoms are described over time
- Proof of functional impact (work limits, safety issues, memory/attention problems)
If your records are thin or your treatment has gaps, a “range” from a calculator may be treated as the ceiling rather than the starting point.


