Is a concussion considered a serious injury?

Medically, every concussion is a brain injury. Legally, whether it meets a state's serious-injury threshold depends on how long symptoms last and how much they limit you.

What if my concussion symptoms started days later?

Delayed symptoms are common. See a doctor as soon as they appear and tell them about the crash, so the records connect the two.

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Concussion and TBI Settlement Calculator

Concussions are brain injuries, even when no scan shows damage. Symptoms such as headaches, memory problems or light sensitivity can appear days later and last for months. Mild concussions that fully resolve are valued much lower than injuries with lasting effects. The calculator starts at a serious injury.

All 50 states + DC
Verified 2026-11-13
Free · nothing stored

Your accident

State where the accident happened

How serious is the injury?

Minor×1.5–2Soft tissue, sprain, bruising; heals in weeksModerate×2–3Whiplash or back pain with months of therapySerious×3–4Fracture, herniated disc, concussion, surgerySevere×4–5Brain or spinal injury, permanent disability

Your costs so far

Medical billsLost wages

That's all you need for a first estimate. Rough numbers are fine.

Optional: make the estimate more accurate fault, insurance, lawyer fee

Fault and future costs

Your share of fault 0%Not at faultFully at faultExpected future treatment

Insurance

Other driver's policy limitLeave empty to assume your state's legal minimum.Your UM/UIM coverage

What comes out of it

Attorney fee 33%No lawyer45%

Case costsMedical liens to repay

Choose your state to see your estimate

What your claim may be worth
What you would actually take home
Your state's deadline to file

What raises or lowers a concussion / tbi settlement

Diagnosis and follow-upAn emergency room or doctor diagnosis, plus follow-up with a neurologist, documents the injury.

Neuropsychological testingFormal testing can show memory, attention or processing problems that do not appear on CT or MRI scans.

Effect on work and daily lifeMissed work, reduced hours and help needed at home are central to the value of a brain injury claim.

Future carePersistent symptoms may need years of treatment. Enter expected costs under future treatment.

Concussion / TBI in no-fault states

A concussion that fully resolves may not meet a no-fault threshold. Lasting cognitive or physical limitations often do, especially under 'permanent injury' or 'significant limitation' categories.

No-fault states: District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah. Each state page lists exactly what counts as serious there.

Frequently asked questions

Is a concussion considered a serious injury?: Medically, every concussion is a brain injury. Legally, whether it meets a state's serious-injury threshold depends on how long symptoms last and how much they limit you.
What if my concussion symptoms started days later?: Delayed symptoms are common. See a doctor as soon as they appear and tell them about the crash, so the records connect the two.