Many online tools offer a number or range, but in real claims—especially in New York—valuation is driven by evidence and risk. In practice, insurers look for:
- How quickly you were evaluated after the head impact
- Consistency between your reported symptoms and your medical notes
- Functional impact (work restrictions, missed shifts, safety limitations)
- Whether the defense can raise causation questions (pre-existing issues, other incidents, delayed reporting)
A calculator can be a starting point, but it can’t account for the most important local reality: how your proof holds up under New York’s litigation and documentation expectations.


