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Time Limit Demand Letters 101: A Case for DemandAssist

In the fall of 2024, the Litigation Director for Insurance House, Rena Gehman, and outside Council, Jay Smith, Partner at Young, Thagard, Hoffman, LLP appeared on NAMIC’s educational Claims Series. This entertaining and educational discussion centers on social inflation and the mega verdicts awarded to plaintiffs in Georgia, resulting from the tactics used by attorneys within the time limit demand letters.

The discussion covers:

  • Evolution of the time limit demand letters (original intent vs. today’s use)
  • Current economic and social conditions impacting the pursuit of astronomical awards
  • Tactics of defense attorneys to trick insurers into bad-faith exposures
  • Examples of mega verdicts and the ‘gotcha moments’ for insurers and their insured
  • Advice for claims adjusters and managers handling time limit demand letters

Mega awards in Georgia have reached $60-$80 million in recent years. The trigger of bad faith can be as simple as the existence of standard bank language on the check stock, a missing comma in a name, failure to handwrite a check, or failure to deliver the check exactly as requested.

Insurance House relies on Cogitate’s DemandAssist to make sure every demand letter is found, and that the language buried within lengthy documents is uncovered. This is the first line of defense so that all demands are located and closely tracked within the DemandAssist platform to ensure no dates are missed.

We thank our partners at NAMIC for sharing this important webinar with us.