Most TBI calculators estimate value by plugging in numbers—hospital days, treatment length, or missing work. That’s not how settlement decisions are actually made.
In Columbus, insurers typically pay close attention to whether your injury story matches:
- The timing of symptoms after the crash or incident
- Consistency between what you reported and what clinicians documented
- Functional impact—how your injury affected daily living and work
- Objective support in the medical notes (diagnoses, restrictions, referrals, follow-ups)
If your symptoms improved quickly but you still required follow-up care, or if your symptoms changed over time (for example, headaches or concentration issues emerging later), your claim may still be valuable. The key is that the record tells a coherent timeline.


