Many online tools treat a TBI like a standardized injury with a predictable payout. Real cases are different. Two people can have similar diagnoses but very different outcomes based on:
- How quickly they got evaluated after the head injury
- Whether symptoms like headaches, dizziness, memory problems, sleep disruption, or mood changes were consistently documented
- Whether the accident facts line up with the medical story (mechanism of injury)
- How much the injury changed day-to-day functioning—work performance, driving, parenting, or safety at home
In practice, Massachusetts insurers often push back when symptoms are hard to “see” on scans or when records don’t tell a clear timeline. A calculator can’t resolve those proof gaps.


