Most calculators assume straightforward injuries and uncomplicated proof. Real burn claims in Ontario are frequently more complex because of:
- Delayed recognition of damage (burns can deepen after the initial injury)
- Visible scarring vs. internal injury (function and sensitivity may matter as much as appearance)
- Work and commuting impact (missed shifts, limited ability to do manual tasks, restrictions that affect future work)
- Causation disputes (insurers may argue the burn wasn’t caused by the incident you reported)
A better question than “what’s the payout?” is: What evidence will make your damages legible to an insurer?


