What do I write in a demand letter to my insurance company?

Any car accident, which leaves an unresolved dispute between aggrieved and liable parties, will initially result in one or both parties electing to write a demand letter. For drivers, writing a demand letter to an insurance company is a relatively simple process, often used as a starting point for settlement negotiations, or if applicable, as a warning of intent to take the dispute to court. The demand letter, which is often a single page, typed letter sent via certified mail to an insurance claims adjustor, should include the following:

• Briefly go over the events of the accident, specifically outlining when, where, and why you believe another party (and by extension, the insurance company) is liable for any ensuing injuries sustained from the accident.

• Do not state, even if it is the case, that comparative or contributory fault or negligence played a role. Simply gloss over this issue by stating you do not believe contributory negligence played a role in the accident, and as mentioned above, you believe another party to be wholly liable for any ensuing damages.

• Make your demand. State what and how much in damages you are seeking to recover compensation for from the insurance company.

• Segue from this clear statement into a list of damages suffered, which should be referenced and accounted for by documentation.

• Include documentation of all damages in demand letter on separate pieces of paper.

For more information and personal insight as to how best write your demand letter to an insurance company, it might prove beneficial to consult with a car accidents attorney in your state.