Most online tools model a “typical” case using inputs like injury severity and time lost from work. But real settlements are driven by evidence quality and legal leverage—not just averages.
For TBI cases, insurers often focus on:
- What the medical records say (diagnosis consistency, symptom documentation, follow-up care)
- How your injury affected function, not just whether you were hurt
- Whether the other side disputes causation (claiming symptoms are unrelated or pre-existing)
- Whether treatment followed clinical recommendations
A calculator may give you a rough starting point, but it can’t account for Lexington-specific realities like how quickly you accessed care, whether work schedules made follow-up difficult, and how clearly your limitations were documented.


