Burn cases often don’t behave like other injuries. Even when the initial burn looks “manageable,” symptoms may worsen days later—think infection risk, worsening scarring, nerve pain, or limited motion. That’s one reason an automated settlement number can be far off from what insurers ultimately accept.
In Ohio, the insurer’s evaluation usually focuses on:
- How the burn happened (and whether the story matches reports and documentation)
- The medical timeline (when care was sought and what providers recorded)
- The injury severity and treatment plan (debridement, dressings, medication, therapy, or surgery)
- Functional impact (work restrictions, daily limitations, and ongoing care)
An AI tool may ask for inputs like burn type or severity, but it can’t verify the medical record, confirm causation, or assess what your specific healing course will require.


