there's no photos on the site, and like any lawyer, they used an OR statement which evaluates ambiguously Other reports state skin damage (second or third degree burns) which are serious.
Remember, lawyers always use appeals to emotion and other tricks to overstate things to get the best possible outcome (a settlement in this case).
I could be wrong about the depth to which her burns penetrated, I can't find where I initially read that.
I offer instead a lesser argument: it is not absurd that a burn penetrate deep enough to affect bone, especially at the pelvis where bone is close to the surface.
I will not link photos, they are indeed horrifying and if you go look for them they are more persuasive than anything I can say
Bone-affecting burns are 4th degree or higher. It's almost absurd to imagine that a cup of coffee below boiling could do that even where skin layers (and fat layers, which absorb a lot of heat) are thin.
Remember, lawyers always use appeals to emotion and other tricks to overstate things to get the best possible outcome (a settlement in this case).