Most online tools use simplified assumptions—like injury severity, length of treatment, and days missed from work—to generate a range.
But TBI claims tend to be fact-specific. In Salem, insurers commonly focus on questions such as:
- Whether the accident mechanism fits the symptoms (for example, the impact type in a collision or the height/force in a fall)
- Whether symptoms were documented early after the injury
- Whether treatment was consistent despite work schedules, transportation limits, or appointment delays
- How the injury affected your day-to-day functioning—not just what you told a clinician, but what restrictions show up in work notes and follow-up visits
A calculator can’t see those details. Your records can.


