Online tools can be useful for rough budgeting, but they generally can’t account for what insurers and New Jersey courts care about most: proof and impact. In practice, two people with the “same type” of concussion can have very different outcomes depending on:
- whether symptoms were documented soon after the injury
- whether treatment was consistent (and explained when it wasn’t)
- how the injury affected job performance, driving, parenting, or household responsibilities
- whether liability is disputed and how the facts line up with the medical record
A calculator won’t know whether your employer changed your duties, whether you needed therapy, or whether your symptoms persisted long enough to require follow-up care—details that often drive settlement value.


