In New Jersey, insurers routinely evaluate claims based on medical proof and consistency—especially for injuries where objective findings may be limited early on. Concussion and mild TBI cases can still involve significant impairment, but the value of a claim often depends on whether your records show:
- When symptoms started and how they progressed
- What clinicians observed (not just what you reported)
- Whether you followed up with recommended treatment
- How your symptoms affected function (work, household tasks, commuting safety)
A “calculator” can’t see your medical history or your functional limitations. In practice, a settlement amount is shaped by how convincingly the evidence connects the accident to the brain injury and to the losses you’re claiming.


