Most online tools estimate value using simplified assumptions. Burn injuries don’t behave that way. Two people can suffer “the same burn percentage” yet have very different outcomes depending on:
- whether the burn required a specialist burn center and ongoing wound care
- whether it caused hand/face/joint limitations (common in work and home accidents)
- whether there’s nerve pain or sensitivity that affects daily life
- whether recovery is straightforward or includes multiple procedures
- whether inhalation/smoke exposure worsened later (often argued by insurers)
In Utah, insurers can be aggressive about narrowing the story to “medical bills only.” If your offer doesn’t address expected ongoing care, scar management, missed work, or long-term limitations, it can undervalue what your burn has cost you.


