Latest / BSPE Legal Marketing Podcast / How Does Colossus Software Affect a New York Car Accident Settlement? - Keetick L. Sanchez

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How Does Colossus Software Affect a New York Car Accident Settlement? - Keetick L. Sanchez · BSPE Legal Marketing Podcast

• 0:00
  How Does Colossus Software Affect a New York Car Accident Settlement?
• 0:03
  A computer-generated number does not get to decide what your car accident claim is truly worth, no matter how sophisticated the software behind it may be.
• 0:11
  Colossus is a computerized system used by some insurance carriers to evaluate bodily injury claims and produce a recommended settlement range based on information entered during the claims process.
• 0:21
  Originally developed in Australia and later adapted for the American market, the program is now offered by DXC Technology as part of its insurance claims software suite.
• 0:31
  Because Colossus relies entirely on the data an adjuster enters into the system, incomplete or inaccurate documentation can result in a settlement range that fails to reflect the full impact of your injuries.
• 0:42
  The system evaluates a wide range of claim details, including your diagnosis, treatment history, imaging results, documented functional limitations, medical expenses, lost income, and other financial losses tied to the accident.
• 0:55
  One critical factor the system weighs is consistency, because gaps between medical visits or conflicting records between an emergency room report and later treatment notes can give insurers a reason to question your claim.
• 1:07
  If care was delayed due to work obligations, childcare responsibilities, or insurance authorization issues, documenting that reason clearly in the medical record is essential to preventing the insurer from using the gap against you.
• 1:19
  Colossus also does not determine whether your injury meets New York's serious injury threshold under Insurance Law Section 5102(d), which is the legal standard required to recover non-economic damages from a motor vehicle accident.
• 1:33
  Serious injury categories under that statute include fractures, significant disfigurement, dismemberment, permanent loss of use of a body organ or system, and permanent or significant limitation of a body function.
• 1:45
  Importantly, for actions and proceedings commenced on or after May 26, 2026, the former 90/180-day category has been removed from the statutory definition of serious injury under New York law.
• 1:58
  Strong medical documentation — including MRI findings, specialist reports, range of motion measurements, and operative records — can serve the dual purpose of supporting the serious injury threshold and informing the Colossus evaluation.
• 2:11
  Because Colossus valuations are proprietary and not publicly disclosed, claimants have no direct visibility into the formula or the weight assigned to each factor used to generate the settlement range.
• 2:22
  At K L Sanchez Law Office, P.C., Queens car accident attorney Keetick L Sanchez helps injured clients build the documentation needed to challenge a software-generated offer that does not fairly reflect their losses.
• 2:35
  The law firm represents people injured in crashes throughout Queens and New York City, working to ensure that an insurer's settlement offer accounts for the real human cost of a serious accident.
• 2:45
  A skilled lawyer can counter low settlement offers by gathering stronger evidence, identifying missing documentation, and presenting the full picture of how an injury has affected a client's work, daily life, and long-term recovery.
• 2:57
  Contact K L Sanchez Law Office, P.C. at 646, 701, 7990, located at 37-06 82nd St #304, Jackson Heights, NY 11372, United States, to schedule your free consultation today.