What should I do if an insurance adjuster tells me my demand package is incomplete?
Frequently Asked Questions
1. What should I do if an insurance adjuster tells me my demand package is incomplete?
Detailed Answer
When the insurance adjuster notifies you that they received only part of your demand package, act promptly. First, confirm precisely how many pages they received and compare that number to your records. In North Carolina, timely and complete submission of your demand package helps you preserve strong negotiating leverage. If any pages are missing—medical records, treatment summaries, or billing statements—gather the complete set immediately.
Next, choose a reliable transmission method. Fax machines often drop pages; email links using secure file-sharing portals cut that risk. When emailing, attach a short cover note that lists every document and its page count. If you use a cloud link, verify link permissions so the adjuster can open and download everything in one go.
After resending, confirm receipt. Call or email the adjuster to verify page count and clarity. Keep your sent confirmation emails, file-share link logs, and any fax confirmation sheets. If the adjuster still reports missing pages, offer to meet or ship a printed copy via overnight courier with tracking. You want a clear audit trail showing you acted quickly.
Under North Carolina law, you have up to three years from the accident date (N.C.G.S. §1-52(16)) to file a personal injury lawsuit. However, you generally want to settle before that deadline. A complete, well-documented demand package often leads to faster resolution and better offers.
Key Steps to Fix an Incomplete Demand Package
Confirm received vs. sent page counts immediately.
Use secure email or cloud-based file sharing instead of fax.
Include a cover list of every document and its page total.
Verify the recipient’s access permissions to avoid broken links.
Call or email to confirm full receipt right after sending.
Retain all transmission logs, confirmations, and tracking numbers.
If problems persist, send a certified overnight printed copy.
Track deadlines under N.C.G.S. §1-52 to preserve your claim.
2. How can I ensure secure and complete delivery of my car accident claim documents in North Carolina?
Detailed Answer
Secure and complete delivery of your claim documents starts with organization. Begin by compiling every piece of evidence: your demand letter, medical records, hospital bills, treatment summaries, pay stubs for lost wages, and any repair invoices. Label each file with a clear name and page numbers.
Next, select a dependable delivery method. Many adjusters accept secure client portals or encrypted email services. Services like Dropbox Business or ShareFile provide audit trails showing who downloaded or viewed your files. If you fax, always confirm a “fax confirmation sheet” shows the correct page count.
Prepare a cover sheet or email listing every attachment. For example: “Enclosed: Demand Letter (5 pages); ER Records (42 pages); MRI Report (12 pages); Billing Summary (8 pages). Total: 67 pages.” This step helps the adjuster verify completeness at first glance.
Upon sending, follow up within 24 hours to confirm reception. If you don’t hear back, call or send a brief email to prevent delays. If an adjuster reports missing pages, resend the specific missing documents immediately and log your actions.
Finally, keep copies of everything for your own file. Should you need to advance to litigation, you’ll have a record of timely, complete disclosure. This practice not only prevents disputes over whether documents were sent, but it also shows the court and insurer that you handled your claim responsibly.
Checklist for Secure Document Delivery
Gather and label all demand package elements with page numbers.
Choose encrypted email or a secure client portal for transmission.
Attach a cover letter listing every file and page count.
Use fax only with a confirmation sheet showing pages sent.
Confirm receipt by calling or emailing the adjuster within 24 hours.
Retain all logs, confirmations, and download records.
Resend any missing pages promptly upon notice.
Store backup copies in your own digital or physical file.
Ready to protect your rights and move your claim forward? Wallace Pierce Law’s attorneys have guided countless North Carolina drivers through each step of the personal injury process. If you’d rather not navigate the paperwork and deadlines alone, contact us today. Email intake@wallacepierce.com or call us at (919) 313-2729. We’ll review your case and help you get the fair recovery you deserve.
