Most online tools treat a TBI like a spreadsheet problem. Real cases aren’t that tidy. In South Ogden, adjusters and defense counsel typically look for proof that connects:
- How the crash or incident happened (what forces caused the head injury)
- What doctors found and recorded (symptoms, diagnoses, objective testing when available)
- How your function changed afterward (work, driving, parenting, sleep, mood, daily tasks)
- Whether treatment was consistent (and why gaps may have occurred)
If those pieces don’t line up, the settlement value can drop—even when someone is clearly suffering.
A calculator may help you think in ranges, but it can’t replace the evidence review that determines whether your losses are persuasive to an insurance company.


