A settlement demand asks another party or insurer to resolve specified claims on stated terms. Before sending one, the file should identify the parties, coverage, disputed responsibility, medical and financial record, requested resolution, unresolved issues, and deadlines that continue to run.

Demand readiness is a documented decision about the claim record; it is not a universal number of days after the collision, a promise that treatment has ended, or a prediction that the insurer will settle.

Confirm the claim and coverage map

  • Claimants, drivers, vehicle owners, employers, other potentially responsible people or entities, and the factual basis for each role
  • Insurers, insureds, policy and claim numbers, coverage parts, known limits, reservations, denials, prior payments, and unresolved coverage questions
  • Collision chronology, reports, photographs, video, witnesses, physical evidence, contrary accounts, and contributory-conduct allegations
  • The claims and parties included in the proposed resolution and any claim, party, coverage, or right expressly left open

The North Carolina Department of Insurance distinguishes first-party claims under a person’s own policy from third-party claims against another driver’s insurer. Keep those claim paths and their supporting documents separate.

Evaluate the medical record without using a fixed milestone

A file may be ready when the documented injury course is sufficiently developed to evaluate the proposed resolution, but that does not require one universal medical phrase or date. Organize the baseline before the collision, acute care, diagnoses, treatment, response, restrictions, function, work effects, prior conditions, later events, prognosis, and future-care questions. Identify missing records and qualified-opinion issues rather than filling them with assumptions.

Reconcile losses and repayment interests

  • Itemized medical bills, payments, adjustments, balances, health-plan or benefit records, medical-payments coverage, and collection status
  • Income and work records, leave, restrictions, attempted return, benefits, business records when relevant, and reproducible calculations
  • Vehicle damage, towing, storage, transportation, deductible, personal property, and every payment or credit
  • Liens, subrogation, reimbursement assertions, attorney fees and expenses if representation exists, and unresolved net-distribution questions

Separate the demand from other stages

Opening an insurance claim, sending a demand, filing a civil action, exchanging discovery, making an offer, and signing a release are different acts. A demand does not by itself file a lawsuit, establish liability, suspend a filing deadline, or create a settlement. Preserve the delivery record, response date, counteroffers, conditions, and every version of proposed release language.

Document the client’s objectives and decisions

North Carolina Rule of Professional Conduct 1.2 states that a lawyer must abide by a client’s decision whether to settle. Rule 1.4 addresses consultation, status, information requests, and explanation sufficient for informed decisions. The readiness record should identify the client’s questions, material alternatives, known terms, open issues, and settlement authority without substituting a file checklist for the client’s decision.

Use a written readiness review

  • Ready items, missing items, disputed items, source for each conclusion, person responsible, and follow-up date
  • Known deadline, source, trigger, tentative calculation, reviewer, and earlier operational date
  • Proposed amount or other terms, calculation version, included claims, assumptions, conditions, and acceptable response method
  • Reason to send now, reason to wait, risks of each course, and the next decision if the demand is rejected or unanswered

The related car-accident demand-package guide explains how to index the evidence and exhibits after the readiness decision has been made.

Rosensteel Fleishman Car Accident & Injury Lawyers provides information about Charlotte car-accident claims and settlement decisions. Readiness depends on the actual record, deadlines, objectives, and unresolved issues.

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