AI for Personal Injury Demand Letters

A demand package is the plaintiff's opening settlement presentation to a liability insurer. It usually includes an account of how the incident happened and why the defendant is at fault, a medical chronology, an itemized list of medical specials (bills), lost wages, a description of pain and suffering, and a specific dollar demand. Building one used to mean a paralegal reading every record, entering visits and charges into a spreadsheet and drafting the letter by hand, often over many hours per case. AI tools built for this work, such as EvenUp and Supio, and general legal assistants used with firm templates, automate much of the extraction. They run OCR on scanned records, pick out providers, dates of service, diagnoses, procedures and charges, and assemble them into a chronology and damages table. A language model then drafts the narrative sections in the firm's style. The gain is speed and consistency, but the tools fail in specific ways. A model can merge two visits into one, misread a handwritten note, attach a diagnosis to the wrong date, or describe symptoms that are not in the records. Billing totals can double-count a charge that appears on both a provider statement and an itemized bill. Descriptions of future care can overstate what a treating doctor actually recommended. Many people assume AI can say what a claim is worth. Some tools estimate value from past verdicts and settlements, but those estimates reflect the tool's historical data. They do not account for the specific adjuster, venue, policy limits or liability facts. Insurers have long used their own claim-evaluation software, such as Colossus, which scores injuries from coded inputs, so both sides now often work with machine-assisted numbers. The attorney signs the letter, so the attorney owns every figure, date and medical claim in it, and each one should trace to a cited page. Adjusters should check the same things: that citations are real, that treatment gaps and preexisting conditions are addressed, and that billed amounts are kept separate from paid amounts.