Insurance Company Demand Letter

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An insurance company demand letter is used to seek compensation from an insurance company for personal injury or property damage. The letter states the sender’s claim, the requested settlement amount, and their justifications for demanding compensation and damages. If the company doesn’t respond, the sender may file a lawsuit to obtain a settlement.

Insurance Company Demand Letter

An insurance company demand letter is used to seek compensation from an insurance company for personal injury or property damage. The letter states the sender’s claim, the requested settlement amount, and their justifications for demanding compensation and damages. If the company doesn’t respond, the sender may file a lawsuit to obtain a settlement.

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Last updated April 24th, 2025

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An insurance company demand letter is used to seek compensation from an insurance company for personal injury or property damage. The letter states the sender’s claim, the requested settlement amount, and their justifications for demanding compensation and damages. If the company doesn’t respond, the sender may file a lawsuit to obtain a settlement.

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How to Write a Demand Letter to an Insurance Company

When someone is injured or their personal property is damaged, they may be able to demand a settlement from the insurance provider if the party at fault is insured. The settlement amount demanded will include all expenses and losses incurred from the incident or accident.

A demand letter should include:

  • The sender’s name and address
  • The recipient’s name and address
  • The policyholder’s name and, if applicable, their policy number
  • A description of the injury/damage and why the policyholder is at fault
  • Supporting evidence (incident details, expenses, financial losses)
  • Requested settlement amount with cost breakdown
  • Response deadline

What to Claim

Common costs and damages claimed when demanding a settlement include:

  • Medical bills
  • Out-of-pocket expenses
  • Repair or replacement
  • Lost wages
  • Pain and suffering

Sample

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INSURANCE COMPANY DEMAND LETTER

[SENDER NAME]
[SENDER ADDRESS]
[SENDER CONTACT INFO]

Date: [DATE]

[RECIPIENT NAME]
[RECIPIENT ADDRESS]

Re: [SUBJECT OF LETTER]

Dear [RECIPIENT NAME],

I am taking this opportunity to formally demand settlement and compensation for: [DESCRIBE PERSONAL INJURY/PROPERTY DAMAGE]

To settle this matter immediately, I am demanding a settlement in the amount of $[DOLLAR AMOUNT].

A breakdown of the demand amount is as follows:

[DESCRIBE]: $[DOLLAR AMOUNT]
[DESCRIBE]: $[DOLLAR AMOUNT]
[DESCRIBE]: $[DOLLAR AMOUNT]
[DESCRIBE]: $[DOLLAR AMOUNT]

If there is no response to this demand letter by [DATE], all legal rights may be explored, including, but not limited to, legal proceedings necessary in accordance with state and federal laws.

This demand letter serves as official notice to you and may be tendered in court as evidence of your failure to cooperate. If legal action is to occur, you may be held liable for court fees, attorney’s fees, and damages.

I hope to resolve this matter as soon as possible.

Sincerely,

______________________
[SENDER’S NAME]