What Adjusters Look for in a Carrier Ready Demand Package

In personal injury work, demand letters carry weight. They are not emotional documents, and adjusters do not read them that way. Adjusters evaluate structure, clarity, and credibility. They look for the story behind the records, the logic behind the valuation, and the preparation behind the presentation.

A carrier‑ready demand package is not simply well written. It is organized in a way that allows an adjuster to justify authority, defend valuation internally, and move a file forward without unnecessary friction.

When a demand package aligns with how carriers actually review claims, negotiations move with more ease and fewer obstacles.

Here is what adjusters are truly looking for.

1. Clear Liability Framing

Adjusters need clean causation. They are trained to look for:

• A clearly described mechanism of injury

• Supporting documentation such as crash or incident reports

• No gaps between the event and initial treatment

• No ambiguity regarding fault

If liability is unclear, the valuation conversation never begins.

A strong demand reinforces causation early, removing doubt before damages are even discussed.

2. Chronological, Organized Medical Presentation

Adjusters evaluate claims in sequence. They want to see a story that unfolds logically:

• Date of accident

• Initial complaints

• Diagnostic imaging

• Conservative treatment

• Specialist referrals

• Interventional care

• Permanency or ongoing care recommendations

When medical records are dropped into a file without synthesis, adjusters default to skepticism. But when treatment is presented in a structured medical chronology, the injury story becomes clear, connected, and defensible.

This is where valuation credibility is built.

3. Objective Support for Injury Severity

Carrier evaluation systems prioritize objective findings. Adjusters look for:

• MRI, CT, or X‑ray results

• Provider impressions

• Surgical recommendations

• Impairment ratings

• Clear documentation of ongoing symptoms

A demand that highlights objective evidence reduces pushback and limits arguments about exaggeration or pre‑existing conditions.

4. Valuation Logic — Not Just a Number

One of the most common mistakes in demand letters is stating a large settlement figure without structured reasoning.

Adjusters want to understand:

• Medical specials

• Future care projections

• Lost wages or earning capacity

• Pain and suffering rationale

• Comparative case logic when appropriate

A carrier‑ready demand walks the adjuster through the valuation methodology. When the number feels earned rather than inflated, negotiation becomes more productive.

5. Clean Documentation Strategy

Adjusters are reviewing dozens of files at any given time. They respond well to:

• Clearly labeled exhibits

• Medical summaries tied to billing

• Organized attachments

• No unnecessary duplication

• No missing key records

When documentation is scattered or incomplete, adjusters request more information, and momentum slows. A well‑structured package allows them to complete their evaluation without delay.

6. Anticipation of Carrier Counterarguments

Experienced adjusters look for weaknesses. They look for:

• Gaps in treatment

• Prior injuries

• Inconsistent complaints

• Delayed imaging

• Policy limit issues

A strong demand anticipates these concerns and addresses them directly within the narrative. When objections are neutralized before they are raised, settlement discussions become smoother and more focused.

7. Professional Tone and Readiness for Litigation

Adjusters can tell the difference between a template demand and a file that reads like it is prepared for trial.

They look for:

• Structured headings

• Legal framing where appropriate

• Organized damages presentation

• A confident, professional tone

A demand that signals litigation readiness increases perceived risk, and strengthens negotiation leverage.

Why Carrier‑Ready Structure Improves Outcomes

When liability is clear, the medical chronology is organized, valuation is supported, and documentation is clean, three things typically happen:

• Fewer adjuster objections

• Faster authority movement

• More meaningful opening offers

A carrier‑ready demand package does not just present injuries. It presents a defensible case evaluation, and that is what adjusters are trained to respond to.

Final Thought

Adjusters are not adversaries. They are evaluators working within structure, policy limits, and authority thresholds. When your demand letter mirrors the structure they use internally, you reduce friction and increase leverage.

Strong pre‑suit negotiation begins with a demand package built for how carriers actually review files.