In a smaller city like Smithfield, many people know the location of the incident, who was involved, and what “really happened.” But settlement value still hinges on proof—particularly proof that connects:
- the accident event to the brain injury diagnosis
- the diagnosis to ongoing functional limits (work, driving safety, family responsibilities)
- those limits to verifiable losses
TBI cases can be difficult because symptoms can be subjective. Insurers may look for consistency between your reported symptoms and the notes from treating providers.
What that means for you: if your records are thin, inconsistent, or missing early follow-up, the other side may argue your symptoms weren’t caused by the incident—or weren’t as severe as you say.


