Example of an Accident Demand Letter to an Insurance Company

Example of an Accident Demand Letter to an Insurance Company

If you have been injured in any type of accident involving another’s negligence, you likely have an insurance adjuster who is working on your case. You expect the insurer to, at a minimum, reimburse you for your out-of-pocket expenses. You also expect to be compensated for your pain and suffering. In order to be sure you are compensated for all of your loss is to send the insurer a “Demand Letter.”

A Demand Letter Explained

A demand letter may sound intimidating, as though you are giving the insurer an ultimatum. However, the letter presents the facts of your case, the details of your expenses (including medical expenses, lost wages, property damage if applicable) and any emotional stress you may have suffered.

There are a few important parts of such a letter. Using the right format, and following this pattern, will help your adjuster, who is dealing with more than a hundred claims all at the same time, settle your case.

The Heading

This heading is important in that it provides the adjuster the information he or she needs in order to quickly access your file. It should include, on separate lines as shown:

  • Your name
  • Your address.
  • Your phone number.
  • The date.

Leave a space, and on the next lines include:

  • Name of the insurance adjuster.
  • Name of the insurance company.
  • Address of the insurance company.
  • Name of the insured person (this will be the one you claim was negligent and responsible for your injury.
  • The claim number the insurer has assigned to your claim.
  • Your name.
  • Your date of birth.

Before you begin the body of the letter, you should write:


This is for both you and the insurer. It keeps the insurer from thinking you are giving an ultimatum and leaves it open for you to add damages later if something comes up after you write and mail the letter.

The Body

Summary of the facts. This should be a concise, but complete, statement of the facts. It is where you describe how the accident happened. Be absolutely truthful.  If you just think something happened, but are not sure, leave it out. Every word in the body of your document needs to be fact-based. If not, your settlement chances are jeopardized.

Statement of liability. Explain why their insured is liable for your damages. If possible, reference the police or other investigative reports and attach them to the letter as exhibits. Also, include witness statements.

List of your injuries. Explain all the physical trauma you have suffered. Be specific about how severely you were injured, the treatments you have had to undergo, and any scars or long-lasting residual effects that you expect to experience. Explain the course of any further treatment you expect to endure. Use medical terminology when you can. Be sure you can document everything you say.

Statement of your damages. Be very specific. There are two types of damages available: economic and non-economic.

Economic damages are those actual expenses that you have either paid or are expected to pay, such as medical expenses, including doctor visits and hospital stay, ambulance ride, cost of medications, cost of rehabilitation, and anything else related to your care. Include expected future damages if you expect to need ongoing or future medical care related to the injury. Wages or other earnings you lost because you were unable to work due to your injury are also economic damages.

Include receipts for your medical bills and a statement of lost wages from your employer. Attach them as exhibits to the letter.

Non-economic damages are losses due to your emotional stress and pain and suffering caused by the injury. Again, do not hold back, but also do not be melodramatic. Describe what your life was like before the accident and how it has negatively changed.

The Closing

List all the damages and the total. For example, say “In conclusion, here is a concise list of my damages to date:”

Economic damages                     $xxxx.xx

Noneconomic damage                $xxx.xx

Settlement demand                     $xxxx.xx

The settlement demand should be more than the total amount when all the damages are added together. You need to leave room for negotiation. Add a polite sentence, explaining that the amount you are asking for is consistent with jury verdicts and other insurance settlement awards you have seen in cases that have fact patterns similar to yours.

Close with a polite, “Sincerely,” then leave four spaces and type your name. Just above your typewritten name, sign the letter.

On the line after your typewritten name, write “Attachments.” Then list every document you have included to support your case. For example:

  • Police report.
  • Statement of witness John Doe
  • Statement of witness Jane Doe
  • Hospital bills from x memorial hospital

And so forth.

You really do not need to do this alone. Dealing with insurance companies can be daunting. If you are trying to collect from an insurer for damages you suffered in any type of accident, contact us at Siler & Ingber, LLP for help. We offer a free case review.

Share this post



PROMOTION PERIOD: The Siler & Ingber Mineola MegaStar Contest begins on March 20, 2023 at 12:00 am ET and
ends on May 1, 2023 at 11:59 PM ET.

ELIGIBILITY: To be eligible, a MegaStar must be a legal U.S. resident at least 16 years of age as of date of
Nomination. A Mineola MegaStar is defined as a person who lives or works in Mineola and is admired or idealized for their courage, dedication, outstanding achievements, or noble qualities. By participating, Entrants agree to be
bound by the official rules. Sponsors reserve the right to verify and determine eligibility in their sole discretion.

TO PARTICIPATE: During the Promotion Period, Siler & Ingber will accept from the members of the public (herein, the “Nominators”) nominations of Eligible Entrants (Mineola Megastars) who live or works in Mineola. Nominations may be entered by visiting www.nylawnet.com/mineolamegastar and completing the online form and essay submission or by emailing photo and essay to marketing@nylawnet.com during the Promotion Period to receive one (1) entry. Essay must not exceed 500 words. Acceptable essay formats are word documents or pdf ONLY. Nominations submitted without all required information or after the Promotion Period will be disregarded.
Online submissions must be received by May 1, 2023 at 11:59 PM ET to be eligible. All entries become the exclusive property of Siler & Ingber and will not be acknowledged or returned.

ESSAY: During the promotion period, an Entrant can nominate a Mineola MegaStar for the contest by submitting a
photo and essay. The essay must describe why the individual should be chosen as the award winner, including how the individual demonstrates some or all of the following qualifications:

1) an inspiring example to others by helping make Mineola a better place to live (through volunteerism, extra-curricular actives, special projects, giving back, etc.)

2) going above and beyond to aid a friend, family member, stranger or community in a time of need; and/or

3) love of profession and desire, determination and diligence to help outside of normal job responsibilities. The essay must be in English and no more than 500 words. All information provided must be truthful, accurate and complete. An Entrant cannot nominate more than one Hero.

Submitted Materials: Each essay must satisfy all the following submission requirements the Submission


· The essay must be the original creation of Entrant.

· The essay must not portray any recognizable individual without their prior consent, including consent from the

· Entrant must either own all rights to the essay or otherwise have the right to submit the essay in the contest and to provide the rights to Sage Surfaces as set forth herein.

· The essay must not infringe any third party’s intellectual property rights.

· The essay may not contain illegal, indecent, obscene, pornographic, or sexually explicit content, or otherwise offensive material or inappropriate content such as aberrational behavior, graphic violence, drug abuse, or nudity.

· The essay must not promote bigotry, racism, hatred or harm against any group or individual or discrimination based on race, gender, religion, nationality, disability, sexual orientation or age.

· The essay must be non-defamatory and must not invade any third party’s right of privacy or publicity.

· The essay must otherwise be appropriate for publication or broadcast or display on a general interest website.

By submitting an essay, each Entrant represents and warrants that the essay meets all of the submission
requirements and that the distribution, reproduction, display and any other uses of any part of the essay by Siler & Ingber as permitted herein will not infringe any third-party rights. Each Entrant further agrees to indemnify and hold Siler & Ingber harmless from and against any and all claims, demands, damages, costs, liabilities and causes of action of whatsoever nature that are based upon or arise out of any breach by such Entrant of such warranties or representations made by contestant or of these official rules.

By submitting an essay, Entrant grants to Siler & Ingber a non-exclusive, perpetual, world-wide, royalty-free license (and waives all moral rights in and to the essay) to display or otherwise use the essay in connection with this promotion and as set forth herein. If Siler & Ingber determines, in its sole discretion and at any time during the promotion period, that any nomination violates the submission requirements, is otherwise unsuitable, offensive, or in poor taste, or violates these official rules, Siler & Ingber reserves the right to remove and disqualify the essay. Siler & Ingber retains sole
discretion as to whether any nomination satisfies the submission requirements and the official rules.

WINNER SELECTION: For the entry period, a panel of judges will select potential Mineola Megastar finalists based on the compelling nature of the essay based on the criteria set forth herein. Top 5 entries will be announced on May 10, 2023. We will post the top 5 on social media. Final winner announced May 15, 2023. Award Ceremony for Mineola MegaStar will take place on May 19, 2023.

WINNER NOTIFICATION AND RELEASES: We will attempt to notify potential winners via telephone and/or email. If a potential winner: (a) does not respond within 48 hours of initial notification attempt; (b) is not in compliance with these official rules, (c) does not meet the eligibility requirements, (d) declines the prize, he or she will be disqualified, and an alternate winner will be selected by applying the criteria set forth above.
PRIZES: There is 1 Mineola MegaStar. Winner will receive a $500 Cash Prize.

PUBLICITY AND MARKETING: Submission of a nomination in the contest constitutes permission to Siler & Ingber to use Entrants name, identity, title, likeness, distinctive appearance, physical likeness, image, portrait, picture, photograph (whether still or moving), screen persona, voice, vocal style, statements, gesture, mannerism, personality, performance characteristic, biographical data, signature, social media handles and identities, and any other indicia or imitation of identity or likeness for purposes of advertising and trade, in any medium, without further notice, approval, or compensation, unless prohibited by law.

PRIZE RESTRICTIONS: No transfer, assignment, sale, duplication, cash redemption or substitution of Prize (or portion of Prize) is permitted, except by Sponsors, which reserve the right to substitute a Prize (or applicable portion of Prize) with one of comparable or greater value, as determined by Sponsors. Sponsors are not responsible for and will not replace a lost or stolen Prize or any component thereof. All Prize details are at Sponsors’ sole and absolute discretion. Non-compliance with these Official Rules may result in disqualification and, at Sponsors’ sole discretion, the awarding of Prize to an alternate winner.


Do I Have A Case

    Skip to content