Arbor AI · Case Intelligence for Personal Injury Firms

Overview Medical Timeline Red Flags Demand Builder Memorandum Ask Arbor

Demand Readiness

92%

Open Blockers

Missing Records

Red Flags

Insurance & Coverage

Carrier

GEICO

Coverage type

Personal auto: bodily injury liability

Policy limits

$100,000 per person / $300,000 per accident

Claim number

GC-90-55218

Adjuster

L. Friedman (GEICO)

Adjuster contact

(865) 555-0173 · lfriedman@example-geico.com

Client UM/UIM

$100,000 UM/UIM (available if limits are tendered)

Demand status

In active negotiation: counter to the $72,000 offer pending

Coverage posture

A surgical lumbar case with specials at $54,200 and a $72,000 offer on the table. The objective MRI and surgical recommendation support a counter toward the $100K limit.

Demand Readiness

8 ready sections · 0 unresolved blockers

92%

Liability SummaryPolice report, fault on defendantComplete Medical RecordsAll providers receivedComplete Medical BillsBilling reconciledComplete Liens / SubrogationLien negotiated downComplete Lost WagesEmployer letter on fileComplete Client ImpactQuestionnaire completedComplete Red FlagsPrior back care apportionedCleared Demand DraftCounteroffer pendingIn Negotiation

Next up

8 ready sections · 0 unresolved blockers

Ready to generate demand

AI Findings Requiring Review

Offer below specials-plusMedium

Current $72,000 offer is only 1.3x specials despite a documented lumbar surgery recommendation; counter supported by objective MRI.

Negotiation analysis

Prior lumbar care apportionedLow

2023 lower-back treatment reviewed; treating physician attributes the disc herniation to this collision.

OrthoTN, p. 33

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Ray Carter v. Torres

Insurance & Coverage

Demand Readiness

AI Findings Requiring Review

Ray Carter v. Torres

Insurance & Coverage

Demand Readiness

AI Findings Requiring Review