Most online tools reduce burn claims to a few inputs (burn depth, body area, medical bills). Real settlement negotiations are different. In practice, insurers care about:
- Whether the burn is still evolving (some injuries deepen after initial treatment)
- Whether there are permanent effects (scarring, sensitivity, reduced range of motion, nerve pain)
- Whether the medical record clearly ties follow-up care to the incident
- What caused the burn in the first place (negligence, equipment defect, unsafe work practices, inadequate warnings)
In other words, a calculator can start the conversation—but your outcome depends on the story your evidence tells.


