Multiple / Skin
How Much Does Burns (Thermal / Chemical) Cost to Treat? What's Your Case Worth?
Burn injuries from vehicle fires, fuel ignition, chemical exposure, or airbag burns. Severity ranges from superficial to full-thickness burns requiring grafting.
Mild
$5.0K — $15K
treatment cost
Moderate
$15K — $75K
treatment cost
Severe
$75K — $500K
treatment cost
Settlement Multipliers for Burns (Thermal / Chemical)
Insurance adjusters use the multiplier method to calculate settlements. Your medical bills and lost wages are multiplied by a severity factor:
| Severity | Multiplier | Medical Costs | Settlement Range |
|---|---|---|---|
| Mild | 2x - 3x | $5,000 - $15,000 | $15,760 - $57,240 |
| Moderate | 3x - 4.5x | $15,000 - $75,000 | $79,560 - $410,940 |
| Severe | 4.5x - 7x | $75,000 - $500,000 | $505,980 - $3,871,280 |
Formula: Total Settlement = (Medical Bills + Lost Wages) x Severity Multiplier. Use our calculator for a personalized estimate.
Treatment Breakdown by Phase
Diagnosis & Acute Treatment
$0 — $0| Procedure | Code | Medicare Rate | Est. Commercial |
|---|---|---|---|
| Burn dressing/debridement, small | 16020 | N/A | $0 - $0 |
| Burn dressing/debridement, medium | 16025 | N/A | $0 - $0 |
| Burn dressing/debridement, large | 16030 | N/A | $0 - $0 |
Emergency Care
$287 — $479| Procedure | Code | Medicare Rate | Est. Commercial |
|---|---|---|---|
| Emergency department visit - high complexity | 99285 | $192 | $287 - $479 |
Rehabilitation
$745 — $1,242| Procedure | Code | Medicare Rate | Est. Commercial |
|---|---|---|---|
| Therapeutic exercises, each 15 minutes | 97110 | $21 | $745 - $1,242 |
Surgery
$0 — $0| Procedure | Code | Medicare Rate | Est. Commercial |
|---|---|---|---|
| Split-thickness skin graft, trunk/arms/legs | 15100 | N/A | $0 - $0 |
| Split-thickness skin graft, face/scalp/neck | 15120 | N/A | $0 - $0 |
Recovery Timeline
Mild 4 weeks
Moderate 16 weeks
Severe 52 weeks
Recovery timelines are estimates and vary by individual circumstances.