Mike’s Quick Answer
It depends on the claim, but often a demand package is the organized presentation a lawyer sends to an insurer or defense lawyer to explain fault, injuries, treatment, lost income, other damages, and the amount or terms requested to resolve the case. It is advocacy, not a guarantee that the carrier will agree.
What the Package Usually Contains
The presentation may include the crash or incident report, photographs, witness information, policy-limit material, medical records, diagnostic reports, bills, wage documentation, lien information, and a narrative connecting the evidence.
Not every file should be dumped on the adjuster. The package should be accurate, readable, complete enough for evaluation, and candid about facts the defense will discover.
Timing Can Matter as Much as Content
Sending a demand before the medical outlook is understood may leave future treatment, permanent limitations, or lost income undocumented. Waiting too long can create deadline and evidence concerns.
The right timing depends on medical progress, available limits, client needs, litigation posture, and whether immediate coverage action is required.
What Happens After Submission
The carrier may accept, reject, request more information, raise coverage or liability defenses, or make a counteroffer. Negotiation may continue, or the case may proceed through litigation.
Mike can explain why a demand is being sent at a particular stage and which facts are likely to drive the response. No demand amount should be treated as a promised outcome.
Frequently Asked Questions
Does every demand include a specific dollar amount?
It depends on strategy, coverage, and available information. Often a demand identifies proposed terms, but some presentations invite evaluation or focus first on policy limits.
How long does an insurer have to respond?
It depends on the demand, policy, circumstances, and governing law. A requested response date does not automatically create the same legal consequence in every case.
Sources and Further Reading
Important
This article provides general New Jersey information and is not legal advice. Every matter depends on its facts, policy language, deadlines, and applicable law. Medical questions should be discussed with a licensed physician. Tax questions should be discussed with a qualified tax professional.