Pre-suit Worklist

• ›Clear liability (rear-end) with represented claimant early
• ›Severity trajectory rising — fusion consult, specials already 38% of limit
• ›Damages will plausibly exceed the $30K limit — limits are nominal vs. exposure

Recommended next action: Evaluate for early tender within limits; preserve the record on timing.

• CriticalDemand response due
  03/18/2025dual-key ✓
• Records production
  03/04/2025dual-key ✓

• ✓No household-member, excluded-driver, lapse, or rescission grounds — limits are real and exposed

Loss

Rear-end at a signal; clear liability, insured at fault

Representation

Counsel retained within 9 days of loss

Injury

Cervical strain → MRI ordered → fusion consult referenced

Specials to date

$11,400, climbing across 3 weekly visits

Correspondence

Counsel letter requests records + 'prompt evaluation'

Scored as of 02/06/2025 (day 4) — 18 days before the demand response was due. Model sees only what was on the file that day.