Job Description
The Personal Injury Demand Drafter is responsible for preparing persuasive, well-supported settlement demand packages to insurance carriers prior to litigation. This role requires strong legal writing skills, a thorough understanding of personal injury law, insurance policies and coverage, and the ability to analyze medical records and damages to present compelling case narratives that maximize settlement value.
Key Responsibilities
- Case File Review:
Review, organize, and analyze client files including medical records, bills, police reports, photographs, insurance policies, and witness statements.
- Demand Letter Drafting:
Draft comprehensive, detailed, and persuasive settlement demand letters clearly outlining liability, causation, injuries, treatment, damages, and applicable insurance coverage.
- Damage Calculation:
Accurately calculate and summarize medical expenses, lost wages, future damages, and pain and suffering in alignment with policy limits and coverage terms.
- Medical Record Analysis:
Interpret and summarize medical records and billing to establish causation and support claimed damages.
- Insurance Policy Analysis:
Review and interpret auto, liability, UM/UIM, PIP, MedPay, and bodily injury policies to identify coverage, exclusions, limits, and applicable endorsements.
- Insurance Communication:
Identify adjusters, submit representation and demand packages, and respond to coverage-related inquiries.
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