A calculator can be a starting point, but it can’t account for the things that move TBI values up or down in real negotiations.
For example, in Sumter-area cases, insurers frequently focus on:
- Whether you received prompt medical evaluation after the crash, fall, or incident
- How consistent your symptoms were over time (headaches, dizziness, memory issues, irritability, sleep disruption)
- Whether treatment followed clinical recommendations (or whether gaps have a documented reason)
- How the injury affected work and daily functioning, not just whether you were diagnosed
The biggest limitation of a generic tool: it doesn’t know what your doctors documented, what restrictions you received, or how your injury fits the specific incident facts.


