Anatomy of a demand package

The components

Supporting attachments typically include proof of insurance and a future-medical-expense estimate where treatment is ongoing.

• Introduction / overview of the claim
• Facts of the case — date, location, people, and vehicles
• Liability / negligence — who was at fault (police report, evidence)
• Medical records & treatment — from every provider
• Lost income / future earning capacity — paystubs, employer proof
• Pain & suffering — the non-economic damages
• Evidence — police report, photos, witness statements
• Insurance information — policy / declarations, PIP
• A specific settlement figure — itemized economic + non-economic damages

The flow is curated, not raw

The attorney does not forward a patient's entire medical history. Records are obtained, stripped of unrelated material, and only the relevant, accident-related documentation is included — which is also why adjusters routinely request additional records to test causation and pre-existing conditions.

Why structure beats a pile of PDFs

A demand package succeeds when a reviewer can move from a claimed amount to the exact record that supports it in one step. Organizing every fact by evidentiary pillar, with a citation to its source page, is what turns a stack of documents into a persuasive, auditable case file.