What is a Demand Package?

A Demand Package is a formal collection of documents and evidence submitted by a personal injury attorney to an insurance company or defendant. Its purpose is to present the facts of the case, outline the injuries and damages suffered, and demand a specific settlement amount before filing a lawsuit.

Demand packages are often the first step toward resolution in a personal injury claim and play a key role in whether a case settles quickly or proceeds to litigation.

What is included in a demand package?

A complete demand package includes a demand letter supported by detailed documentation of the accident, medical treatment, financial losses, and long-term impact on the plaintiff. The goal is to build a compelling case for settlement without court intervention.

The stronger the evidence and organization, the better the chances of negotiating a favorable outcome.

• Demand letter: A written narrative of the incident, legal liability, injuries, and a specific dollar amount requested.

• Medical records and bills: Proof of diagnosis, treatment, and costs.

• Proof of lost income: Pay stubs, tax returns, or employer letters.

• Photos, police reports, and witness statements: Evidence of fault and damages.

• Pain and suffering summary: Explanation of the personal and emotional impact.

When is a demand package sent?

A demand package is usually sent after the plaintiff has completed medical treatment or reached maximum medical improvement (MMI). This ensures that all injuries, treatment costs, and future needs are fully understood and included in the claim.

Sending it too early may lead to an undervaluation of the case; waiting too long can delay settlement.

• Typically sent after medical recovery or stabilization.

• Allows for full calculation of past and future damages.

• Starts formal settlement negotiations with the insurance company.

• May prevent the need for litigation, saving time and legal costs.

What happens after a demand package is submitted?

Once the demand package is received, the insurance company reviews the materials and decides how to respond. They may accept the demand, make a counteroffer, request more information, or deny the claim. This starts a negotiation process, which can take weeks or months depending on the case’s complexity.

If a fair settlement isn’t reached, the plaintiff may proceed to file a lawsuit.

• Insurer may counter with a lower offer to start negotiations.

• They may challenge liability or the value of damages.

• Settlement talks may go back and forth multiple times.

• If negotiations stall, the next step is litigation.

Why is a demand package important?

A demand package serves as the foundation of a personal injury claim, showing that the plaintiff is prepared, the case is well-documented, and the damages are real. A well-prepared demand package can lead to early and favorable settlement, avoiding court altogether.

Poorly prepared packages, on the other hand, often result in lowball offers or denials.

• Shows the seriousness and value of the claim.

• Provides a clear case theory backed by evidence.

• Helps resolve claims without filing suit.

• Strengthens negotiating leverage with insurers and defense counsel.

Conclusion

A Demand Package is a critical step in the personal injury claims process. It tells the injured party’s story, proves liability and damages, and formally requests fair compensation. With strong documentation and persuasive presentation, a demand package can lead to an early settlement—saving time, stress, and legal fees for everyone involved.