Personal injury demands
Personal injury demand package
Demand package
Direct answer
A personal injury demand package is the full submission sent to a carrier: the demand narrative plus the medical records, medical chronology, itemized billing, wage documentation and indexed exhibits that support it. The carrier evaluates the package as a whole, so organization, pagination and cross-referencing materially affect how the claim is reviewed.
NORBU Demand Editorial · Last reviewed 2026-08-31
The standard components
- Demand narrative with a stated response deadline
- Index of exhibits with page ranges
- Medical chronology, cited to record pages
- Complete medical records by provider
- Itemized billing with a reconciled specials summary
- Wage and employment documentation where earnings are claimed
- Incident evidence: report, photographs, statements
- Out-of-pocket receipts and, where documented, future care recommendations
Why organization changes the outcome
A reviewer working through an unindexed 600-page attachment set has to reconstruct the case themselves. A package that is classified, deduplicated, paginated and cross-referenced lets them verify each assertion in seconds.
| Package property | Effect on review |
|---|---|
| Indexed exhibits | Assertions can be confirmed without searching |
| Deduplicated records | Charges are not double-counted or double-questioned |
| Consistent pagination | Citations in the narrative resolve reliably |
| Reconciled billing | Damages total is accepted as stated |
Where packages usually fail
- Records referenced in the narrative but never attached
- Duplicate copies of the same records from different sources
- A specials total that does not match the attached bills
- Treatment intervals left unexplained
- Photographs and reports with no citation anchor in the letter
Relevant capability
Exhibit Intelligence →
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FAQ
Common questions
- What goes into a personal injury demand package?
- The demand narrative, an exhibit index, a cited medical chronology, complete medical records, itemized billing with a reconciled specials summary, wage documentation, incident evidence and out-of-pocket receipts.
- Should the chronology be attached or summarized in the letter?
- Both approaches are used. Attaching a cited chronology as an exhibit and referencing it in the narrative keeps the letter readable while preserving verifiability.
NORBU Demand provides analytical support for counsel. It does not determine legal value, predict settlement outcomes, or provide legal advice. Every observation is presented for attorney review.
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