An Insurance Company demand letter is a letter written to an insurance company seeking money for a claim due to personal injury or property damage. The individual or attorney writing the letter, the ‘claimant’, informs the insurance company that they intend to seek monetary repayment to satisfy their claimed damages.

A demand letter is the centerpiece of your insurance claim process. It is a detailed document that you must create and share with the insurance company of the other party involved in the attack, highlighting your ask and the logical reason for it.

Types Of Insurance Demand Letter templates

There are two types of insurance claims:

Property Damage – For any type of monetary damages due to theft, fire, flood, etc.

Personal Injury – Including medical bills, loss of income, punitive damages, etc. This cannot be filed and claimed until the claimant has recovered from their injuries.

Here are some samples from different types of accident and injury cases:

  • Car Accident
  • Truck Accident
  • Medical Malpractice
  • Motorcycle Accident/Wrongful Death
  • Products Liability/ Legal Malpractice
  • Demand Before Trial Begins

These are good templates for writing a demand letter in your case.

How Do You Write Demand Letters To Insurance Companies

Even though you do your best to stay safe, the time may eventually come when you’re involved in an accident where the other party is at fault. When this occurs, you could be stuck with the loss of wages, damaged property, and medical bill expenses. Whether it’s just property damage or personal injury, you need to know that the at fault party’s insurance is willing to indemnify you in the case of a claim. Writing a demand letter is the best way to make sure that all your expenses and losses are taken care of.

Before beginning to write your injury demand letter, review your notes from the days and weeks following the accident to remind yourself of the details-your pain, discomfort, inconvenience, disruption of life, and medical treatment.

Along with your demand letter, send the insurance company copies of documents, records, letters, bills, or other writings supporting the things you describe in your letter.

You can resolve insurance claims without the assistance of a lawyer. One key component of successfully resolving your claim is submitting an effective settlement demand letter. An effective letter should accurately summarize the nature of your claim and convey it to the insurance company.

What Should An Insurance Demand Letter Include

Concentrate on the following elements as you draft your letter.

  • Liability - Describing how the accident occurred and why the insured person was at fault, briefly describe where and what you were doing before the accident occurred. You should also mention outside support you have to support your theory such as police reports or eyewitness statements.
  • Your Injuries And Treatment - Describe your injuries and treatments and don't be shy. Emphasize your pain, the length, and difficulty of your recovery, the negative effects of your injuries on your daily life.
  • Medical Expenses - Include a complete list of each medical provider who treated you and the total amount charged by each.
  • Lost Income - Make a brief statement of the amount of time you missed from work because of your injuries, and refer to whatever letter you have from your employer verifying your pay and missed time. If you are irregularly or self-employed, explain how you arrived at the total figure for lost income.
  • Comparative Negligence - Even if you believe you might have been partly at fault for the accident, do not admit that in your demand letter. Although you must consider your carelessness in deciding what a fair settlement is.


An insurance demand letter is a keynote of the insurance claim process.It is a detailed document that you must create and share with the insurance company of the other party involved in the attack, highlighting your ask and the logical reason for it.