Online tools can’t see your burn photographs, read your operative reports, or understand how your injury is evolving weeks after the initial emergency visit. In University Place, where many residents balance caregiving, commuting, and ongoing household responsibilities, insurers often look closely at whether you had:
- documented follow-up care (not just an ER visit)
- treatment consistent with the burn type and location
- credible proof of work restrictions or lost income
- photos and medical notes showing functional impact (not only appearance)
So while an AI estimate may produce a range, your settlement value in Washington is driven by what can be proven—and what future treatment is reasonably expected.


