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How do You Write a Good Personal Injury Demand Letter

How do you write a good personal injury demand letter?  Or What exactly is a personal injury demand letter?  These are questions that you may have if you were in an accident that was not your fault.  In this post we speak specifically of creating a good demand letter.

If your personal injury claim is a small one (under $25,000), you may be able to write a personal injury demand letter and settle your personal injury claim for an adequate settlement. However, keep this in mind. The insurance company is not your friend, and they will probably offer you a settlement that is far less than what your case is actually worth. The goal of the insurance company is to make money and settle claims for as little as possible.

On the other hand, if your personal injury claim is going to be a large one, you really should have a personal injury attorney to represent you. Your personal injury attorney will then be the one who writes the personal injury demand letter, and think about this. He or she has a lot more knowledge and experience in writing a personal injury demand letter than you do.

Most important part of negotiation


For whatever reason, if you want to go up against the insurance company and be the one who writes the personal injury demand letter, how that letter is written is very important. A personal injury demand letter will probably be the most important part of your negotiation with the insurance company, and it will go a long way toward determining how good a settlement offer you get from the insurance company.

So, how do you write a good personal injury demand letter? Here is some advice on how to do it.

First, realize that a personal injury demand letter is a formal, legal document. This means you need to follow a formal layout of your letter. The more formal and professional your letter looks, the better it will be.

Second, type the letter on your computer and print it out. Keep what you wrote in your computer in the documents section of your computer. You will then be able to get to it easily, anytime you need to.

Third, do not write the letter by hand. It will hurt your case and remove a lot of your credibility. In fact, if you do not type the letter, the insurance company may not even read it.

Fourth, use the best, clear, direct and professional language that you can. Also, use the very best grammar you possibly can. This will show the insurance company that you are an educated person. This will help you to get a better settlement offer from the insurance company.

Fifth, be sure and include a description of the accident, personal injuries that you sustained, medical treatments for your injuries, statements regarding any loss of income you experienced because of your injuries, liability and your settlement demand amount. Supplemental documents can be sent to the insurance company along with your personal injury demand letter. These include medical bills, copy of police report, doctor’s statements and pictures of the accident scene and your injuries.

The insurance company will probably not accept the amount you ask for to settle your claim. Most likely, they will respond by sending you a counter settlement offer.  Read our "how to handle insurance companies" article in our frequently asked questions section for more info on insurers.