Many online tools estimate settlement value using broad categories. In practice, burn injuries don’t fit neat templates—especially when injuries involve:
- ongoing scar management (topicals, laser/dermatology care, follow-ups)
- functional loss (hands, joints, face)
- pain that changes over time (nerve pain, hypersensitivity, sleep disruption)
- inhalation or smoke-related complications after fire exposure
In Montana, insurers also tend to scrutinize the timeline: when treatment started, whether symptoms evolved as expected, and how consistent the medical records are with the reported mechanism of injury. A generic calculator can’t account for whether your documentation supports causation and permanence.


