Colossus software sets the insurance reserve on over half of all US P&C injury claims. Enter your case details to see what the algorithm likely knows — and where your documentation leaves money on the table.
Colossus (Verisk/ISO) is used by State Farm, Allstate, GEICO, Farmers & most major P&C carriers to set injury claim reserves
Step 1 of 3
Select all body areas injured. Colossus assigns AIS severity weights to each region.
Body regions injured
Severity indicators
Accident type
Select at least one body region to continue.
How the estimate works
AIS injury classification
Your body region selections are mapped to AIS severity tiers — the same taxonomy Colossus uses to weight injury severity.
Treatment quality scoring
Colossus scores treatment consistency, imaging quality, and objective findings. Gaps in any of these suppress the reserve.
Specials discount model
Colossus applies tiered discounts to medical bills: 80¢ on the first $10K, 60¢ on the next $40K, 45¢ above that.
Reserve range output
The composite proxy score is mapped to industry settlement percentiles to produce a low/mid/high reserve range.
This tool is for educational purposes. Estimates are based on published Colossus methodology and industry settlement data — not a guarantee of case value. For a full per-matter analysis calibrated to your specific insurer, try Plaintify free.