Instead of treating settlement like a single number, think in “buckets” that adjust based on your recovery course:
- Past costs: ER visits, burn-center care, prescriptions, wound supplies, travel for treatment, and any documented time off.
- Ongoing care: scar management, physical therapy, follow-up appointments, additional procedures if your burns don’t finish healing on schedule.
- Impact on daily life: limitations with gripping, lifting, walking, breathing comfort (if inhalation exposure occurred), and the mental toll of visible scarring.
- Liability strength: whether a Franklin incident report, witness accounts, or maintenance/procedure records make fault easier to show.
In practice, insurers may start by looking at what they can verify quickly—then resist including what is harder to quantify (future scar care, lingering nerve pain, or reduced work capacity). Your job is to make sure the record supports the full picture.


