Demand Package — Insurance Claims Definition
Industry
A structured submission from a claimant or attorney setting forth liability, damages, and settlement demand before litigation.
Third party bodily injury claims often use demand packages with medical records, bills, wage loss, and narrative. Insurers evaluate for settlement authority within limits.
Examples
Plaintiff counsel sends a 200-page demand with $750,000 ask three months before filing suit; carrier responds with counter-analysis.
Common Mistakes
Lowball demands without documentation get ignored. Missing SOL while negotiating — track deadlines.
