Most online tools use simplified inputs—time missed from work, hospital stay length, and whether there was “imaging.” But TBI cases often turn on details that calculators don’t capture well, such as:
- Consistency of symptom reporting in the months after the incident (especially headaches, dizziness, memory problems, and sleep disruption)
- Whether your treatment plan was followed and documented, even when appointments take time in Washington
- How your injury affected work reliability, not just whether you stayed home for a few days
- Whether the accident facts support a head-impact mechanism (for example, impact during a turn, rear-end collision, or a fall)
A calculator may suggest a range, but insurers in Washington typically look for a defensible narrative backed by records—not a math result.


