Your Guide to Crafting an Insurance Claim Demand Letter Sample

[Your Name] [Your Address] [Your Phone Number] [Your Email Address] [Date] [Insurance Company Name] [Insurance Company Address] RE: Demand for Settlement - Auto Accident on [Date of Accident] Claimant: [Your Name] Insured: [Name of Policyholder] Policy Number: [Policy Number] Claim Number: [Claim Number] Dear [Claims Adjuster Name or "To Whom It May Concern"], I am writing to formally demand settlement for damages incurred as a result of an automobile accident that occurred on [Date of Accident] at approximately [Time of Accident] near [Location of Accident]. This incident was caused by the negligence of your insured, [Name of Policyholder], who [briefly describe how they were at fault, e.g., ran a red light, failed to yield, etc.]. As a direct result of this collision, my vehicle, a [Year, Make, Model of Your Vehicle], sustained significant damage. I have attached repair estimates totaling $[Total Repair Cost] for your review. In addition to the vehicle repairs, I have also incurred medical expenses totaling $[Total Medical Expenses] due to injuries sustained in the accident. A detailed list of medical bills and treatment records is also enclosed. Therefore, I hereby demand a settlement in the amount of $[Total Demand Amount] to cover the full cost of vehicle repairs, medical treatment, and any other associated expenses resulting from this preventable accident. I expect a response to this demand within [Number] days of the date of this letter. If I do not receive a satisfactory response or settlement offer within this timeframe, I will be forced to consider further legal action. Sincerely, [Your Signature] [Your Typed Name]

[Your Name] [Your Address] [Your Phone Number] [Your Email Address] [Date] [Insurance Company Name] [Insurance Company Address] RE: Demand for Settlement - Property Damage at [Your Property Address] Insured: [Name of Policyholder if different from yours] Policy Number: [Policy Number] Claim Number: [Claim Number] Dear [Claims Adjuster Name or "To Whom It May Concern"], This letter serves as a formal demand for settlement regarding the significant property damage that occurred at my residence located at [Your Property Address] on or around [Date of Damage]. This damage was a direct result of the actions or negligence of your insured, [Name of Policyholder, if applicable, otherwise state source of damage, e.g., a burst pipe originating from their property]. Specifically, the damage includes [List of damages, e.g., severe water damage to the basement, destroyed flooring, damaged drywall, mold growth, etc.]. I have enclosed photographs and a detailed report from a professional inspection service, [Name of Inspector/Company], that outlines the extent of the damage and estimates the cost of repairs at $[Total Repair Cost]. In addition to the physical repairs, I have also incurred additional living expenses totaling $[Total Additional Living Expenses] due to the temporary displacement required while repairs are underway. Documentation for these expenses is also attached. Considering the severity of the damage and the necessary remediation and repair work, I am formally demanding a settlement in the amount of $[Total Demand Amount]. I request a written response to this demand within [Number] days. Failure to provide a satisfactory resolution will leave me with no alternative but to explore all available legal avenues to recover the full extent of my losses. Sincerely, [Your Signature] [Your Typed Name]

[Your Name] [Your Address] [Your Phone Number] [Your Email Address] [Date] [Insurance Company Name] [Insurance Company Address] RE: Demand for Settlement - Personal Injury Claim on [Date of Incident] Claimant: [Your Name] Insured: [Name of Policyholder] Policy Number: [Policy Number] Claim Number: [Claim Number] Dear [Claims Adjuster Name or "To Whom It May Concern"], I am writing to formally demand settlement for the personal injuries I sustained on [Date of Incident] at approximately [Time of Incident] due to the negligence of your insured, [Name of Policyholder], at [Location of Incident]. Your insured's actions, specifically [briefly describe their negligent act, e.g., driving without due care and attention, failing to maintain safe premises], directly led to my injuries. As a result of this incident, I suffered [List of injuries, e.g., a fractured wrist, whiplash, severe bruising, etc.]. I have undergone extensive medical treatment, including [mention types of treatment, e.g., physical therapy, doctor's visits, diagnostic imaging]. The medical bills incurred to date total $[Total Medical Bills], and I anticipate ongoing medical care and associated costs. Documentation supporting these expenses and my injuries is enclosed. Furthermore, my injuries have caused significant pain and suffering, and have resulted in lost wages from my employment at [Your Employer Name]. My lost wages amount to $[Total Lost Wages], and I have attached verification from my employer. Therefore, I hereby demand a settlement in the amount of $[Total Demand Amount] to compensate me for my medical expenses, lost wages, pain, suffering, and all other damages resulting from this incident. I expect a response and a good-faith settlement offer within [Number] days. Should a satisfactory resolution not be reached, I will be compelled to pursue all legal remedies available to me. Sincerely, [Your Signature] [Your Typed Name]

[Your Name] [Your Address] [Your Phone Number] [Your Email Address] [Date] [Your Insurance Company Name] [Your Insurance Company Address] RE: Demand for Settlement - Uninsured Motorist Claim - Accident on [Date of Accident] Policyholder: [Your Name] Policy Number: [Your Policy Number] Claim Number: [Your Claim Number] Dear [Claims Adjuster Name or "To Whom It May Concern"], I am writing to formally demand settlement under the Uninsured Motorist (UM) provision of my policy, number [Your Policy Number], following an accident that occurred on [Date of Accident] at approximately [Time of Accident] at [Location of Accident]. This accident was caused by an uninsured driver, [Name of Uninsured Driver, if known, otherwise state "an unidentified driver"], who [briefly describe how they were at fault]. The uninsured driver fled the scene of the accident or was determined to be uninsured. As a direct result of the uninsured driver's negligence, I sustained injuries and my vehicle sustained damage. My vehicle, a [Year, Make, Model of Your Vehicle], required repairs costing $[Total Repair Cost]. Additionally, I incurred medical expenses totaling $[Total Medical Expenses] for treatment of my injuries, which include [List of injuries]. I have attached copies of the repair estimates, medical bills, and police report documenting the incident and the uninsured status of the other driver. Therefore, I am demanding a settlement from your company in the amount of $[Total Demand Amount] to cover my damages, including vehicle repairs, medical expenses, pain, and suffering, as per the terms of my uninsured motorist coverage. I look forward to your prompt response and a fair settlement offer within [Number] days. Sincerely, [Your Signature] [Your Typed Name]

[Your Name] [Your Address] [Your Phone Number] [Your Email Address] [Date] [Insurance Company Name] [Insurance Company Address] RE: Demand for Coverage - Policy Number [Policy Number] - Claim Number [Claim Number] Insured: [Your Name] Dear [Claims Adjuster Name or "To Whom It May Concern"], This letter serves as a formal demand for the insurance company to honor the terms of policy number [Policy Number], which I purchased from you. I am seeking coverage for damages incurred due to [briefly describe the covered event, e.g., a fire that occurred on Date, a covered storm on Date]. Despite my timely submission of a claim on [Date of Claim Submission] and providing all requested documentation, my claim has been denied or inadequately addressed. The policy clearly states that such events are covered under section [Relevant Policy Section]. My losses and damages associated with this event are substantial and amount to $[Total Damages]. Attached are copies of my policy, the claim submission, evidence of damages, and the denial letter (if applicable) for your review. I am demanding that you reconsider your position and provide coverage for my losses as stipulated in our insurance contract. I expect a written response outlining your revised decision and a proposed settlement amount within [Number] days of the date of this letter. Should you fail to do so, I will be forced to explore all available legal options to enforce the terms of our contract. Sincerely, [Your Signature] [Your Typed Name]

[Your Name] [Your Address] [Your Phone Number] [Your Email Address] [Date] [Insurance Company Name] [Insurance Company Address] RE: Minor Incident - [Date of Incident] - Settlement Demand Insured: [Name of Policyholder] Policy Number: [Policy Number] Claim Number: [Claim Number] Dear [Claims Adjuster Name or "To Whom It May Concern"], I am writing to request settlement for a minor incident that occurred on [Date of Incident] at [Location of Incident]. Your insured, [Name of Policyholder], was at fault when [briefly describe the minor incident, e.g., they backed into my parked car, their dog damaged my property]. Fortunately, the damage in this instance is relatively minor. My vehicle sustained [describe damage, e.g., a small dent and scratch on the rear bumper], and the estimated cost of repair is $[Repair Cost]. I have attached a photograph and a repair estimate from [Repair Shop Name] for your review. Given the clear fault of your insured and the straightforward nature of the damages, I am requesting a settlement in the amount of $[Total Demand Amount]. I would appreciate it if you could process this claim promptly to avoid further inconvenience. Please respond within [Number] days to confirm your intention to settle this matter. Sincerely, [Your Signature] [Your Typed Name]