Bodily injury claim valuation from what similar injuries actually paid, in every venue the suit could land in
Settlement authority set from comparable closed files and local verdicts.
See one case, screen by screen ↓Software that helps an adjuster put a value on an injury claim. Bodily Injury Claim Valuation does it from evidence: it finds what the same injury paid in your own closed files and what published verdicts and settlements awarded in the venue, and lays them out against the offer, the demand and the policy limit, every amount cited.
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An adjuster valuing a C5-C6 herniation in DuPage County has an injury-evaluation score, their own memory of a few files and whatever a colleague remembers. What the company actually paid on the same injury in the same county last year sits in closed files nobody can search. What local juries awarded sits in verdict reports nobody has time to read. Pulling five comparable files and reading three reports takes one to two days, so most valuations skip it and lean on a score that knows nothing about venue.
Venue risk turns up late. The file is valued for the county of the crash, then the complaint is filed in the county where the insured lives — and plaintiffs’ firms know which counties, and which desks, pay. A low early offer on a file that later goes to suit is one source of adverse reserve development.
Estimated split for one bodily-injury file valued by hand, and with the solution. The agents’ part takes minutes; what is left is the adjuster’s reading and judgement, and the authority review.
Six agents find and read the comparable cases in every venue the suit could land in; the claim manager sets authority.
Danielle Ortega was rear-ended at a red light in Naperville. Her lawyers have sent a policy-limits demand with 18 days left on it. Here is the valuation, screen by screen, in the working solution.
Tomás opens his desk: eight open injury files, each checked for every venue it could be filed in. Three could be filed in a second county and three have a demand clock running. Danielle Ortega’s file, BI-2026-0418377, is both — DuPage or Cook, 18 days on the clock.
“8 of 8 files · ranges built from comparables in every venue the suit could be filed in.”
Emergency department the same evening, 24 physical therapy visits, an MRI showing a C5-C6 broad-based disc herniation with right foraminal narrowing, two epidural injections, and a surgical consult on 18 Aug recommending anterior cervical discectomy and fusion — deferred by the patient. Every fact carries its page. Specials are $77,660: medical billed $68,420 plus $9,240 in lost wages. The billed amount counts, not the $31,870 paid, because billed amounts go to an Illinois jury.
Time-limited demand: $250,000, the per-person limit, expires Fri 30 Oct 2026.
The comparable finder searches 41,280 closed Harborline injury files and 6,912 published Illinois verdicts and settlements: 214 cervical herniations, 45 at 70% match or better in three venues. The verdict reader reads 17 reports and moves every amount to 2026 dollars. The venue analyst finds that the suit can be filed in Cook. Then the run stops and waits for Tomás.
“Waiting for Tomás Rivera — a value above $100,000 goes to Linda Okafor for authority.”
Seventeen cases on one dollar axis — 11 closed Harborline files, 4 reported settlements, 2 jury verdicts. Median $142,000, middle half $118,000–$165,000. The current offer of $95,000 sits below 14 of the 17, $23,000 under the middle half. The injury score, $88.5k–$121k, is drawn underneath: the same in every county.
“Injury score $88.5k–$121k · knows no venue.”
He clicks a diamond: Halvorsen v. Pruitt, a DuPage jury verdict at $285,000 in 2026 dollars, 90% match. Same level, two injections, fusion recommended and not done, rear-end at a light, same firm. The last offer before the four-day jury trial was $125,000.
Kevin Albright, the insured, lives in Oak Park — and venue lies where any defendant resides. Tomás switches the strip to Cook. Every mark slides right, a ghost of the DuPage median stays behind, and the new median reads $322,000. Eleven of the 15 Cook cases are above the $250,000 limit.
“Above the per-person limit — the insured’s own money.”
Brannigan & Steele have 31 injury files against Harborline since January 2023; 14 went to suit and 9 of those were filed in Cook. Both of their trials to verdict were in Cook, at $610,000 and $1,240,000. The venue analyst cites the venue statute, 735 ILCS 5/2-101, and never predicts a jury or a judge.
“On files like this one they let the time-limited demand lapse, then file in Cook within 40 days on average.”
Four parts: injury and specials, what comparable cases paid in DuPage, venue risk in Cook, and the recommendation — raise the offer from $95,000 and settle inside the time-limited demand at $165,000, the top of the DuPage middle half and below every Cook case in its middle half. The injury score is noted and not relied on.
Nothing is saved to the file until the adjuster saves it.
$165,000 is above Tomás’s $100,000 authority, so the request goes to Linda, who holds authority to $250,000. Tomás sent it at 15:31; she reads the cited cases and grants it at 15:42. The reserve moves from $140,000 to $165,000, and Tomás saves the note to the file with its four cases pinned.
Gwen sees the first authority set on every C5-C6 file with injections and no surgery, desk by desk. In 2025, nine desks set it anywhere from $61,000 to $208,000 — a 3.4× spread — and only 9 of 27 files landed inside today’s DuPage middle half. The target with the strip is 1.4×.
The same claim, seen by the five people who carry it — from the desk that values it to the VP who answers for severity.
Six agents find and read the comparable cases in every venue the suit could land in; the claim manager sets authority.
Reads every page of the open injury file — records, bills, demand — and writes the injury and spinal level with ICD-10 codes, each treatment with its date and provider, surgery status, and specials billed and paid.
Searches closed Harborline injury files and published verdicts and settlements, scores each match on level, herniation, treatment, surgery, liability, age and specials, and writes why it matches and how it differs.
Reads verdict and settlement reports — court, case number, injury, treatment, award and last offer before trial — and moves amounts to 2026 dollars with the medical-care index.
Works out every county where suit can be filed from the crash location and every defendant’s residence, gives the comparables, verdicts and time to trial in each, and profiles the plaintiff firm.
Places the comparables on the strip, computes the median and middle half per venue, and marks the offer, demand, per-person limit and injury score. A calculation, not a model.
Drafts the valuation note and authority request in four parts — injury and specials, what comparable cases paid, venue risk, recommendation — with every amount cited to its case.
Grants settlement authority. The agents propose; a named person decides.
Plain words in; every sentence comes back with the case it came from. Adjusters ask about a claim, a venue, a plaintiff firm or a comparable case.
What did C5-C6 herniations with two injections settle for in DuPage County?
Seventeen cases match; the median is $142,000 and the middle half runs from $118,000 to $165,000, in 2026 dollars. The closest closed file, BI-2025-0366051 — same level and side, two injections, fusion recommended and not done, the same plaintiff firm — settled for $142,000. The two DuPage verdicts are higher: $285,000 and $410,000.
How has Brannigan & Steele resolved neck injury files against us?
On neck files like this one they settle before suit in DuPage, and file in Cook when the venue is open. Four DuPage files settled before suit, from $96,500 to $165,000. After filing in Cook, BI-2025-0402218 settled for $322,000, and the two trials went to verdict at $610,000 and $1,240,000.
Why is Cook County so much higher for this injury?
Cook juries returned four verdicts on this injury since 2022, from $341,000 to $1,240,000, and files settle in the shadow of them: BI-2025-0402218, almost the same file, paid $322,000 after suit was filed there. And Brannigan & Steele file in Cook whenever they can.
Which files on my desk could be filed in another county?
Three of your eight: Danielle Ortega (DuPage or Cook), Aisha Bello (Will or Cook) and Rosa Delgado (Kane or DuPage). Each range already includes the second venue.
13 screens from the working solution, on its sample data. Pick one to see it large.
What counts as comparable, how amounts are adjusted, which venues are shown and who grants authority — all settings, saved and on the record.
| Setting | Default | Choose from |
|---|---|---|
| Match threshold | 70% | Your threshold · scored on level, herniation, treatment, surgery, liability, age, specials |
| Comparables window | Closed 2021–2026 | Your window · older cases drop out each January |
| Minimum cases | 12 per venue | Your minimum · below it, the strip says so and widens to neighbouring venues |
| Include reported settlements | On | On · Off |
| Dollar adjustment | CPI-U medical care | To Oct 2026 · factor shown on each case |
| Venues shown | Crash county · every defendant’s county · one neighbour | Under the state venue statute (735 ILCS 5/2-101 in Illinois) |
| Authority levels | Adjuster $100,000 · claim manager $250,000 · director $500,000 | Your levels · a second person approves changes |
| Above the limit | Home office | With a written excess letter to the insured |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample claim data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (CAS / Triple-I, legal system abuse in liability insurance, 2025 — $91.6B to $102.3B added to personal auto liability losses in the ten years to 2024). People, companies, claims and cases named on this page are fictional — characters and sample data in the working solution.
Software that helps an adjuster put a value on an injury claim. Bodily Injury Claim Valuation does it from evidence: it finds what the same injury paid in your own closed files and what published verdicts and settlements awarded in the venue, and lays them out against the offer, the demand and the policy limit, every amount cited.
An injury score works from coded medical inputs and knows nothing about venue. This solution shows the score as a band beneath the strip, for comparison, and puts the comparable cases from the county of the crash and every county the suit could be filed in beside it.
The comparable finder scores each closed file and published case on level, herniation, treatment, surgery status, liability, age and specials, and writes why it matches and how it differs. The threshold is 70% by default; cases below it are marked, never silently included, and open files are never used.
The venue analyst lists every county where suit can be laid — the crash county and every defendant’s county — with the verdict history and the plaintiff firm’s record. The venue toggle moves the strip to any of those counties, so the difference on the median and the count of cases above the limit are seen before the complaint arrives.
No. The adjuster proposes the amount and the authority holder grants it — the claim manager to $250,000 and the director to $500,000 in the working solution. Agents never set authority, never contact the claimant or counsel, and never save to the file without the adjuster.
Amounts are moved to 2026 dollars with the CPI-U medical care index, the factor is shown on each case, and the amount actually paid or awarded is kept beside the adjusted one.
Your claim system for the open file and the saved note, your closed claim files with settlement amounts, published jury verdict and settlement reports, your litigation records for plaintiff firms, and the state venue rules.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your authority levels, note standards and a sample of closed and open injury files — and it goes live once every quality gate has passed. We will walk you through it on your own files first.
Thousand-page demands read in full and answered before the deadline.
1-min demoTime-Limited Demand ManagementNo policy-limits deadline missed: every demand on a clock, every condition checked.
1-min demoLitigation Propensity PredictionFiles turning toward a lawsuit raised early, with the evidence behind each.
1-min demoWe’ll run Bodily Injury Claim Valuation on a sample of your own closed and open injury files.