Most calculators are built on broad assumptions—typical hospital stays, generic treatment timelines, and average symptom patterns. In real cases, insurers in South Carolina focus on whether the evidence supports:
- Causation (that the accident caused the brain injury, not something unrelated)
- Severity (what objective findings and clinician diagnoses show)
- Ongoing limitations (how the injury affects work, daily life, and safety)
If your records show consistent evaluation after the injury, follow-through with recommended care, and clear descriptions of cognitive or emotional effects, settlement discussions tend to move faster and more realistically. If documentation is thin or inconsistent, the other side may argue your symptoms are overstated or not connected.


