HOW TO: Write a Demand Letter & Settle Your Car Insurance Claim

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If you’ve been waiting to settle a car accident claim and are confident about how much you think your claim is worth, you can preempt the adjuster’s settlement offer with your own settlement proposal, also known as a demand letter. This letter would outline fault (if this is an issue in your claim), damages and ask for a specific dollar amount to settle your claim. In this post, Gregg S. Marcus, a Long Island Insurance Executive, explains the most important elements to include in a convincing demand letter:

YOUR SIDE OF THE INCIDENT:
Write a concise account of the accident. Make sure to refer to any notes you have, police reports, witness reports, relevant laws or other records. Keep it short and simple and stick to the facts.

WHY THE OTHER PARTY WAS AT FAULT:
In the next paragraph, explain why the accident was the other party’s fault. Again, keep it short and stick with to the facts. If you were rear-ended while sitting at a red stoplight, make it very clear that you were abiding by traffic laws and the other party obviously wasn’t or they wouldn’t have hit you (i.e. failing to follow laws regarding distances between cars). While you want to keep this section brief, do not hold back here on why you deserve the money you are asking for.

DON’T ADMIT YOUR OWN FAULT:
Do not admit any wrongdoing on your own part in this letter. You want to be advocating for your position here, so set forth the facts as truthfully, but favorably, as you can. If the insurance company wants to negotiate and brings up the issue of your own fault, you can respond to any potential issues then.

YOUR INJURIES:
In this paragraph of the letter, describe your injuries in great detail. It is important to concentrate on any long-lasting or permanent injuries as these deserve more compensation than temporary injuries that occurred immediately after the accident. There is no need to be overdramatic, but if you have chronic pain, make sure that this is stated. Be as specific as you can about the particular injury and always use appropriate medical terms when describing the injury.

YOUR MEDICAL EXPENSES:
Include a total of all your medical expenses as well as an attached list that states where you were treated, who treated you, and what you were charged for each treatment.

YOUR LOST INCOME:
If you had to take time off from work or your work suffered as a result of the injury, detail the lost time. Make sure to get a letter from your employer confirming the lost time and what your pay level was at the time. If you work part-time or are self-employed, explain how you arrived at the total figure for lost income.

ANY OTHER LOSS OR EXPENSE:
Include any other losses or expenses that have resulted from the accident. This can include things such as embarrassment, inconvenience and anxiety, which are considered “pain and suffering” as a result of the accident.

YOUR SETTLEMENT DEMAND:
In the last paragraph of your letter, demand a specific sum of money as total compensation for your pain, suffering, lost income, and other losses. Figure out what amount you would be satisfied with, then increase by 75% to 100% to leave room for negotiations with the insurance adjuster.

INCLUDE DOCUMENTATION:
Lastly, make sure to attach with your letter any supporting documentation that verifies your claims (such as medical records, bills, police reports, etc.). Always send copies of these documents and keep all originals for yourself for future reference.

If you still need assistance with composing your demand letter or if you need a quote on automobile insurance in Nassau County or Suffolk County on Long Island, contact Gregg S. Marcus today.

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