In practice, the biggest gaps with AI-based settlement tools are about evidence quality and injury proof—not just severity. In Florida, insurers frequently focus on whether the documentation shows:
- The burn was consistent with the way it happened
- The treatment plan matched the injury’s depth and progression
- Any lingering effects are medically supported (not just described)
- Future care is tied to an expected medical course
An AI tool may generate a range, but it can’t review your medical imaging, operative notes, or follow-up records. It also can’t tell whether your claim needs expert support—something that becomes especially important when the defense argues the burn worsened due to unrelated factors or delayed care.


