What Is a Demand Package and How Do I Submit It in My North Carolina Car Accident Case?
Q1: What Is a Demand Package and How Do I Submit It in My North Carolina Car Accident Case?
After a car wreck in North Carolina, you and your attorney must prepare a demand package to present your claim to the at‑fault driver’s insurer. A demand package typically includes:
A cover letter and statement of the collision facts;
Medical records and bills (for example, your MRI report dated August 12 at UNC Imaging Center);
A summary of lost wages and property damage costs;
Photographs of injuries and the crash scene;
Any police or accident report.
In North Carolina, the process kicks off when you review a pre‑demand verification form. You’ll electronically sign this form (often by clicking a green button next to your name) to confirm that the information in the demand is accurate. Once signed, your attorney assembles the full demand packet. We then send it to the insurance carrier by certified mail or e‑mail.
Under North Carolina law, insurers typically have 30 to 45 days to acknowledge and investigate your demand. During that period, they review all medical documentation—including your out‑of‑pocket expenses, such as deductibles—and may request supplemental records.
Practical steps and strategies:
Gather all medical records (ER visits, MRIs, follow‑up visits).
Collect invoices for treatments and any out‑of‑pocket costs.
Review the pre‑demand verification carefully before signing.
Work with your lawyer to ensure no bill or record is missing.
Send the demand by certified mail or e‑mail and confirm receipt.
Track the insurer’s response timeline (30–45 days).
Ready to Move Forward?
Preparing a thorough demand package can make or break your settlement. If you’d rather focus on recovery than paperwork, Wallace Pierce Law’s attorneys stand ready to help. Contact us today by emailing intake@wallacepierce.com or calling (919) 313‑2729.
Q2: Will I Get Reimbursed for My Medical Deductibles and MRI Costs in My Settlement?
Yes. When you submit your demand package, you should include every out‑of‑pocket expense you’ve paid for your injuries. In North Carolina personal injury claims, these are called “special damages.” Common examples include:
Health insurance deductibles and co‑pays;
Medical imaging costs (MRI, CT scans, X‑rays);
Physical therapy and chiropractic bills;
Prescription expenses;
Transportation to and from medical appointments.
When the at‑fault driver’s insurer reviews your demand, they’ll analyze whether each charge is reasonable and customary for the region. They may apply network discounts or lien offsets if your health insurer paid part of the bill.
Strategies to maximize reimbursement:
Maintain copies of every medical invoice and explanation of benefits (EOB).
Itemize each expense in your demand package.
Include a spreadsheet summarizing totals for deductibles, co‑pays, imaging, and therapy.
Negotiate disputed charges by providing supporting documentation (e.g., billing codes).
Ensure your attorney accounts for any health‑insurance lien that may reduce settlement proceeds.
Ask for a lump‑sum reimbursement for all documented out‑of‑pocket costs.
Need Help Recovering Every Dollar You Deserve?
Tracking and negotiating medical expenses can feel overwhelming. Let Wallace Pierce Law’s team handle the details so you can focus on healing. Contact us at intake@wallacepierce.com or call (919) 313‑2729 today.
