Most calculators are built around generic categories. Your case usually isn’t generic.
In burn cases, value tends to hinge on evidence that a calculator can’t access—such as:
- burn severity and location (hands/face/neck often change long-term function)
- whether you required grafting or multiple follow-up procedures
- medical notes describing range-of-motion limits and scar management
- proof of time missed from work or modified duties
In Illinois, insurance adjusters may also look closely at timing—whether you sought prompt care, whether your treatment followed the recommendations, and whether your medical records are consistent with the incident you describe. An estimate may be “close” on paper, but documentation gaps can make insurers push back.


