What Is a Demand Package and How Soon Can I Expect a Settlement Offer in North Carolina?
FAQ 1: What Is a Demand Package and How Soon Can I Expect a Settlement Offer in North Carolina?
After a car accident in North Carolina, your attorney or you must prepare a demand package and send it to the at‑fault driver’s insurance company. A demand package typically includes:
Medical records and bills showing treatment dates and costs
Documentation of lost wages and any out‑of‑pocket expenses
Accident report and photographs of the collision scene and your injuries
A clear written demand stating your proposed settlement amount
Once the insurer receives a properly assembled demand package, North Carolina law does not impose a strict deadline for the carrier’s response. In practice, most adjusters review a complete package within 30 to 45 days. If weeks pass without acknowledgment, timely follow‑up can help move things forward.
Key factors that affect the insurer’s review timeline include:
Completeness of your medical and billing records
Severity and documentation of your injuries
Complexity of liability issues (who was at fault)
The insurance company’s internal caseload and processes
If you prepared and sent the demand yourself:
Send your package by certified mail or another trackable method.
Record the date of delivery and keep copies of every document.
Note deadlines—for example, policy limits or statute of repose deadlines.
If you haven’t heard from the adjuster in 30 days, send a polite reminder by email or letter.
Document every follow‑up contact in a log or journal.
FAQ 2: How Do I Handle Communication and Follow‑Up with an Insurance Adjuster on My Own?
Managing your own car accident claim means you handle all communication with the insurer. Stay organized and professional. Adopt these practical steps:
Keep Detailed Records: Log every call—note date, time, person, and summary of what they said.
Use Written Follow‑Up: After any phone call, send a confirmation email outlining what you discussed and any next steps.
Be Polite but Firm: Insurers juggle many claims. A courteous tone with clear deadlines reminds them you take your case seriously.
Set Reminders: Mark your calendar for 2‑ to 3‑week check‑ins if you haven’t received requested documents or an offer.
Document Everything: Save emails, letters, and voicemail transcripts in a dedicated folder.
Understand Your Policy Limits: Know the at‑fault driver’s liability coverage and any underinsured/uninsured motorist protections you carry.
Consider a Demand Package: If you exhaust polite follow‑ups with no meaningful response, send a complete demand per FAQ 1.
When you run into procedural roadblocks or feel the insurer undervalues your claim, you can still handle it yourself—but you may wish to consult an attorney. If you prefer professional guidance, Wallace Pierce Law has experienced personal injury attorneys ready to review your situation and advocate on your behalf.
Ready to protect your rights and maximize your recovery? If you’d rather not navigate these steps alone, contact us today. Email intake@wallacepierce.com or call (919) 313‑2729 to schedule a free consultation.
