In practice, there isn’t one “TBI formula.” Settlement discussions tend to follow a pattern:
- Medical proof of injury and symptom duration (ER records, neurologic exams, follow-ups)
- Functional impact (work restrictions, inability to sustain attention, issues with daily activities)
- Treatment consistency (whether the record shows you pursued recommended care)
- Liability strength (what evidence supports fault and causation)
- Future needs (ongoing therapy, medication, specialist visits, and accommodations)
A calculator can’t see those details. It only approximates based on general inputs. In an Endicott injury claim, your settlement range may move up or down depending on whether your evidence matches what adjusters expect to see for the type of mechanism involved.


