Most online calculators are built on broad assumptions—typical treatment timelines, average symptom descriptions, and generalized injury severity. Real TBI claims are different because the “value” is tied to proof.
In practice, insurers in Texas often look for:
- Objective support in the medical record (diagnosis details, exam findings, referrals)
- Consistency between the mechanism of injury and the symptoms reported
- Functional impact (work restrictions, cognitive limitations, inability to safely perform tasks)
- Treatment continuity (not just that you were treated, but that care was followed)
If your records show a clear onset of symptoms after the crash or fall, that tends to strengthen valuation. If there are gaps—or if your symptoms weren’t documented early—adjusters may argue your injury is less severe or not connected to the incident.


