A “calculator” usually tries to estimate value using a few numbers—hospital time, diagnosis, and time missed from work. But real TBI settlement negotiations depend on more than a quick formula.
In Auburn, Maine, claims frequently turn on whether the record supports:
- A clear mechanism of injury (what caused the head impact)
- A consistent symptom timeline despite normal day-to-day fluctuations
- Functional limits that affect work, parenting, driving, sleep, or safety
- Follow-through with medical care—including specialists or therapy when needed
When those pieces line up, settlement discussions tend to move faster and go further. When they don’t, adjusters often argue the injury wasn’t severe, didn’t last, or wasn’t caused by the incident.


