Most AI or online calculators use broad categories like burn severity, treatment, and time missed from work. That can be helpful for organizing questions—but insurers in Michigan typically look for proof that links:
- The incident to the specific burn pattern shown in medical records
- Treatment decisions to documented medical necessity
- Functional impact to work restrictions, therapy notes, and daily limitations
If your medical records show grafting, nerve involvement, persistent sensitivity, or ongoing scar management, the value analysis usually changes dramatically. A tool can’t independently verify those details or interpret them the way a legal demand does.


