In practice, an insurer’s evaluation usually comes down to two buckets:
- Economic losses (verifiable costs): emergency care, burn-center treatment, prescriptions, follow-up visits, physical therapy, scar management, and lost wages.
- Non-economic losses (impact on life): pain, emotional distress, loss of enjoyment, and the lasting effects of scarring or mobility limitations.
For Fontana residents, what often changes the valuation isn’t just how severe the burn looked initially—it’s what your medical record shows about progression, functional impairment, and whether additional care was expected.


