Online tools typically generate a rough range based on general injury categories. But burn cases—especially those involving scarring, nerve pain, or limited motion—don’t follow a single pattern.
In practice, insurers in New York often look closely at:
- How the burn was documented early (ER notes, photographs, burn depth description)
- Whether treatment followed the recommended plan
- Whether the injury affected daily life and work (including modified duties)
- Whether future care is medically supported
A tool may assume a “typical” recovery. Your medical record may show complications such as delayed healing, hypertrophic scarring, sensitivity that interferes with work tasks, or ongoing therapy needs.


