Online tools are often built around broad assumptions. That can be a problem in Pinecrest because burn claims frequently involve complications that don’t show up in a simple severity range—especially when medical care is delayed or when the burn involves areas that limit daily function.
Instead of treating a calculator like a prediction, use it as a starting point to understand the categories insurers focus on:
- Medical costs (emergency care, follow-ups, prescriptions, scar management)
- Work impact (missed shifts, restrictions, reduced capacity)
- Non-economic harm (pain, sleep disruption, emotional distress related to scarring)
The most important difference between a “range” and a fair settlement is the evidence behind it.


