Many online tools estimate value using broad categories—how big the burn is, whether it required immediate care, and a rough guess at pain and suffering. That can be a starting point, but it’s rarely the full story.
In practice, Illinois insurers and adjusters look more closely at:
- The timeline (how the burn progressed and when complications were documented)
- Where the burn is (hands, face, joints, and exposed areas can affect function and long-term appearance)
- Treatment intensity (wound care frequency, grafting, therapy, follow-up specialists)
- Whether breathing was affected (smoke exposure and inhalation injuries can change the medical picture)
- Work impact (restrictions, reduced hours, inability to perform usual job tasks)
A “calculator” can’t reliably account for those specifics—especially when the burn affects daily life beyond the initial emergency.


