In many personal injury cases, injuries are fairly straightforward to document. TBI is different. Symptoms like brain fog, sleep disruption, sensitivity to light, or emotional instability may not be obvious in an emergency room visit.
That’s why insurers often focus on three things when evaluating a claim:
- Consistency: Do your symptoms and treatment history line up with the mechanism of injury?
- Functional impact: How did the injury affect your ability to work, drive safely, complete tasks, or maintain relationships?
- Medical follow-through: Did you seek care and follow recommended treatment, even if recovery was uneven?
If any of those pieces are missing—or if the insurer believes the story has gaps—the value of the case can drop quickly.


