Most online tools use broad assumptions (for example, burn size, treatment intensity, or generic averages). Real burn claims don’t behave like spreadsheets—especially when the injury affects function (hands, feet, face, joints) or when recovery includes complications.
In Nogales and across Arizona, insurers frequently focus on gaps they can exploit:
- whether the medical record matches the incident timeline
- whether follow-up treatment was consistent
- whether symptoms worsened later (or appear unrelated)
- whether the burn was truly caused by the alleged hazard
A calculator can’t weigh evidence like emergency room notes, burn center evaluations, photos over time, work restriction documentation, or the kind of detailed causation story that matters in negotiations.


