Demand Packages
What belongs in a personal injury demand package
NORBU Demand editorial team · Updated 2026-08-01 · Reviewed by NORBU product counsel liaison
Short answer
A complete demand package contains a demand narrative, a medical chronology of every date of service, an itemized damages summary reconciled against provider billing, and an indexed exhibit set containing every document the narrative relies on.
The four components
Carriers evaluate a demand on what they can verify. Each component of the package exists to make a claimed fact checkable without a phone call.
- ·Demand narrative — liability, treatment course, damages and impact
- ·Medical chronology — every provider, date of service and finding
- ·Damages summary — itemized specials, wage loss and future care
- ·Indexed exhibits — the underlying records, bills and evidence
Why incomplete packages stall
The most common delay is not disagreement about value. It is a figure in the summary that no attached document supports, or a record referenced in the narrative that never made it into the exhibits.
Detecting those problems before the package leaves the firm is the entire purpose of a readiness review.
Reconciling the numbers
Billing totals frequently disagree across ledgers, statements and superbills. A demand summary that does not match the attached documentation invites a line-item challenge.
Worked examples
A reconciliation catch
Three provider totals in a sample file summed to $11,275.33 while the specials summary claimed $11,850.00. The difference came from a duplicated therapy statement — a five-minute fix before sending, and a credibility problem after.
FAQ
- How long should a demand letter be?
- Length follows the record. What matters is that every assertion in the narrative maps to an exhibit page.
- Do exhibits need to be indexed?
- An index is not required, but it makes verification faster for the adjuster reviewing the file.