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

Lumbar radiculopathy with $54,200 in specials and a $72,000 offer. The proposed counter is $100,000; the microdiscectomy recommendation is conditional on conservative care failing.

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

Findings for review

Offer below specials-plusMedium

The $72,000 offer is $17,800 above $54,200 in medical specials. The proposed counter is $100,000; surgery remains conditional on conservative care failing.

Negotiation analysis

Prior lumbar care apportionedLow

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

OrthoTN, p. 33

Loading demo…

Ray Carter v. Daniel Torres

Insurance & Coverage

Demand Readiness

Findings for review

Ray Carter v. Daniel Torres

Insurance & Coverage

Demand Readiness

Findings for review