In Cook County and across Illinois, insurers routinely ask for proof of both severity and causation—meaning they want medical records that clearly connect the burn to the incident and show whether it caused permanent problems.
Burn injuries are different from many other injuries because they can evolve. A burn that seems “manageable” at first can later require additional follow-up, scar management, or treatment for nerve pain. If you don’t build a clean medical timeline early, it becomes easier for a defense attorney to argue the worst effects weren’t caused by the event.
Practical takeaway: As soon as you’re medically stable, start organizing records like your recovery depends on it—because the settlement value often does.


