Most online tools use generalized assumptions (how long you were hospitalized, whether you had “objective” findings, how many days you missed work). Real negotiations in Newburgh are rarely that simple.
In practice, insurers look for a defensible story that ties together:
- The incident details (how the head trauma happened and what witnesses/records show)
- Medical consistency (symptoms described over time, not just at the start)
- Functional impact (what you can and cannot do day-to-day)
- Causation under New York standards (the defense will argue the injury wasn’t caused by the event, or that it didn’t persist)
If your medical notes, treatment attendance, and symptom timeline don’t line up cleanly, a “calculator” may suggest a range that’s too high—or too low—compared with what a claim can realistically prove.


