What Belongs in a Settlement Demand Package

A demand package has one job: to make an adjuster's decision easy to justify internally. That means an argument they can follow and an appendix they can verify.

The liability section

A narrative of how the incident happened and why the insured is responsible, built strictly from cited record. Rhetoric without a citation weakens the whole document, because the reader stops trusting the parts that are supported.

The treatment section

The course of care in plain sequence — emergency presentation, diagnostics, treatment, surgery, therapy, current status — drawn from the chronology rather than re-read from scratch. Consistency between the demand and the underlying records is what survives scrutiny.

The damages schedule

Line items with citations: medical charges by provider, wage loss with its documentation, out-of-pocket costs, and future care where a treating provider has stated it in the record. Totals that do not reconcile to the exhibits invite a lowball response.

The exhibit appendix

Tabbed, indexed and paginated, in the order the narrative cites it. An adjuster who can find the supporting page in ten seconds argues less.

What your provider should not supply

The demand figure. Valuation is a strategic and legal judgement tied to jurisdiction, venue, policy limits and the firm's appetite — it belongs to counsel. We draft the package in your firm's voice for your review and signature, and we leave the number to you.

Sequencing and turnaround

Demands are fastest when the chronology already exists: five working days for a complete file, three when we have built the medical chronology. Full scope is on the demand packages page.