Demand glossary

Bodily injury claim

A claim for physical injuries against a liability policy, evaluated by the carrier on liability exposure, documented treatment and supported damages.

Case intelligence

The structured understanding of a single case file — parties, incident, providers, treatment course, billing and evidence — extracted from source documents with page-level citation.

Causation

The documented link between the incident and the injuries claimed, ordinarily established through the timing of initial treatment, provider histories and objective findings.

Comparative negligence

An allocation of fault between parties that can reduce a recovery in proportion to the claimant's share of responsibility, subject to the rules of the governing jurisdiction.

Demand intelligence

The analytical layer that evaluates an entire demand submission — liability support, causation, treatment continuity, documentation completeness, damages reconciliation and exhibit integrity — rather than generating a letter.

Demand letter

A written settlement demand sent to an insurance carrier that states liability, describes the injuries and treatment, itemizes damages and requests a specific resolution.

Demand package

The complete submission sent to a carrier: the demand narrative plus medical records, a medical chronology, itemized billing, wage documentation and indexed supporting exhibits.

Demand readiness

A measure of whether a case file contains the documentation required to support the demand being made, expressed as the share of required elements present and verifiable.

Economic damages

Quantifiable losses with documentary support: medical charges, lost earnings, out-of-pocket expenses, property damage and documented future care.

Exhibit

A labeled, paginated document attached to a demand package that supports a specific assertion in the demand narrative.

Future medical care

Treatment a provider documents as reasonably necessary going forward, presented in a demand only where a record supports both the recommendation and its cost basis.

Liability

The legal responsibility of a party for the incident that caused the claimed injuries, established in a demand through incident evidence rather than assertion.

Maximum medical improvement

The point at which a treating provider documents that a patient's condition has stabilized and further significant recovery is not expected.

Medical bill reconciliation

The process of matching each claimed medical charge to a specific billing document and to a documented date of service, so the damages total is fully supported.

Medical chronology

A date-ordered summary of medical treatment listing provider, date of service, findings and treatment for each encounter, with every entry cited to its source record page.

Medical lien

A claim asserted against a personal injury recovery by a provider, insurer or governmental payer for amounts paid or owed for treatment.

Medical records

The clinical documentation of treatment — intake forms, provider notes, imaging reports, operative reports and discharge summaries — that supports an injury claim.

Medical specials

The itemized medical charges claimed in a personal injury demand, supported by provider billing records and reconciled against the treatment documented in the chronology.

Missing medical records

Records that the file implies should exist — referenced, billed or ordered — but that are absent from the record set assembled for a demand.

Non-economic damages

Losses without a direct invoice — pain, limitation, disruption to daily activity — presented through documentation rather than adjectives.

Objective findings

Clinically measured or imaged results — range-of-motion measurements, positive orthopedic tests, imaging impressions — as distinct from reported symptoms.

Policy limits

The maximum amount an insurance policy will pay for a covered claim, which frames what a demand can realistically recover from that policy.

Settlement demand

A formal request to resolve a claim for a stated amount, supported by the documentation attached to the demand package.

Treatment gap

An interval between documented medical encounters long enough that a carrier may argue the claimant had recovered or that later treatment is unrelated.