Online tools usually assume a simplified case: a certain medical course, a predictable recovery timeline, and a clear link between the accident and the symptoms.
In real Cambridge cases, disputes commonly turn on details such as:
- Whether symptoms were documented early after the head injury (not weeks later)
- How clearly treatment providers connect the mechanism of injury to the diagnosed concussion/TBI
- Whether your daily functioning changed in ways that can be supported through records and work documentation
If those elements aren’t strong, insurers may push a low number—regardless of what a calculator estimated.


