How To Write A Personal Injury Demand Letter


Trying to pursue a demand letter in your insurance company is an exquisite way to start a good phase in filing a personal injury settlement. A demand letter indicates the summary of your statement regarding the claim and how much the money you are seeking for the negotiation, regarding the costs of damages results in the accident, like for example, the loss of current and future wages and property damages.

Having a competent personal injury demand letter in hand will reflect the adjuster’s limitation of making an objection towards the amount that you are demanding a claim. Make it sure not to send a demand letter to your insurance company while you are not so completely done yet in your medical treatment. Wait until your health doctor notifies you that you are stable enough.

The reason behind why you shouldn’t submit your demand letter first while you’re not sufficiently well is that your medical expenses won’t be covered by the insurance company once you had settled down and agreed upon the negotiation stated. The best thing to do is to assure your medical condition and the treatments needed for it before calculating your personal injury claims. The given tips below are not for substitution for lawyers purposes. Still, a personal injury lawyer in your respective area can provide you a more efficient advice.


Components of an Effective Personal Injury Demand Letter:

For an effective demand letter, your letter must include:

  • Your statement about the accident must utter clearly.
  • A summarization of the reasons why the insurance company is the one responsible for your claims.
  • Complete details of your medical records and injuries, pain, and sufferings you encountered caused by accident. 
  • A detailed list of any extra expenses that you took from your pocket, such as the medications, and copayments.
  • A calculation of the lost wages due to inability to work. ( If relevant )
  • A clear statement as well about a current sufferings results from the incident.
  • Legitimate copies of documents from your attending doctor and employer as a proof and support your demand.
  • Settlement demands total cost.

A Demand Letter Must Include A Disclaimer

The settlement letter should start with a phrase of  “FOR SETTLEMENT PURPOSES ONLY.”. Follow this tips to prevent the other party use your letter against you as evidence during the lawsuit.

Writing a Personal Injury Demand Letter

For the entire consonance with the insurance company, you must maintain the obedience and professionalism. Your demand letter should be understandable and free from errors. The use of the binder to separate it will do if your settlement letter seems long.

The Demand Letter Must Contain:

Heading

  • At the top of your letter put your name, address, and contact number.
  • Insurance Company Name, claims adjuster's name, formal title, and address of the Insurance Company.
  • Include the date of when you will send the letter.
  • Include the disclaimer.
  • Include the claim number and any additional information.


Body

  • Introduction - Notify the adjusters that you are now open for negotiation.
  • Background Section - Accurate overview of the incident and prove them that the insured is the one liable for the claims.
  • Liability Section - A clear testimony that shows that the responsibility for the accident falls to insured.
  • Injuries Section - Put into detail about your sufferings, pain, damages, and loss.
  • Costs Section - List of exact amount you are collecting.
  • Conclusion - Show an appreciation to the adjuster followed by the expected time frame of respond.


For further concerns about the legal, financial insinuation of submitting a personal injury settlement letter to your insurance company and other personal injury law, seek for a personal injury lawyer advice for they can help you secure requisite claims for your damages and injuries.

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