Online tools often use general patterns—like burn severity or whether you missed work—to generate a range. The problem is that burn injuries don’t behave like a standardized worksheet.
In practice, insurers in California will look closely at:
- Whether treatment was prompt and consistent (burns can worsen days later)
- Whether the medical notes match the incident (burn pattern, depth, and progression)
- Whether your daily limitations are documented (range of motion, hypersensitivity, sleep disruption)
- Whether future care is supported (scar management, therapy, follow-up procedures)
If your burn required grafting, resulted in nerve pain, caused restricted motion, or left sensitive/scarred areas that affect your job tasks, the “average” numbers from an AI tool may be too low—or sometimes too high if they assume a less complicated course.


