If you’ve been in an accident, you may need to write a personal injury demand letter to an insurance company. Demand letters are often necessary when filing a personal injury claim as they provide detailed facts of your case in a way that can maximize the possibility of a strong settlement in your favor.
Download Sample Demand Letters
Feel free to download and customize the sample demand letter we use in our example below. Downloads are available in Microsoft Word for Windows, Word for Mac and PDF.
The Three Sections of a Personal Injury Demand Letter
A typical personal injury demand letter is broken up into three parts – Accident Facts, Medical Facts and Life Facts. The rest of this article will break down each of these sections and provide some value-add commentary about each section and why they’re important to include in a personal injury demand letter.
Insurance Company Adjuster Name
Insurance Company Address
Re: Claim #
Name of Party at fault (insured)
As you are aware, I was injured in an automobile accident with your insured Jane Doe on January 1, 2015 at the intersection of Winding Way and Auburn Blvd., in Sacramento, California.
I was traveling east on Auburn Blvd., and as I entered the intersection with Winding Way, your insured ran a red light and smashed into my car just behind the driver’s seat, barely missing me. The power of the collision spun my car around and left it facing west, almost to the curb.
In addition to violating the vehicle code, your insured did not slow down. This was apparently due to the fact that she was texting on her cell phone at the time of the accident. A witness to the accident reported this fact, as reflected in the attached police report. As you know, if this matter becomes a lawsuit, I will have access to your insured’s cell phone records to substantiate this claim. As you may be also aware, texting while driving quadruples the risk of an accident, making it as dangerous as driving while drunk.
Police Report Reference
I have enclosed the police report which states that I had the right of way, and a diagram that describes the position of the car. The enclosed photograph showing severe damage to my car indicates how strong the collision was.
I was taken by ambulance to the emergency room of Mercy San Juan Hospital. Immediately after the accident, I had severe pain and stiffness in my back as well as an increasing headache. After X-rays, I was released and advised to see my private physician. My physician, Debra Doctor, M.D., referred me to an orthopedist, Opal Ortho, who examined me and discovered an inflammation of the lumbar spine. She prescribed medication, advised immediate bed rest, and referred me to physical therapy.
I was forced by the pain to remain in bed for the next four days. I attempted to return to work the following Monday, but the pain once again forced me to bed for another two days. I attended physical therapy at the Bergman PT Clinic for five weeks, during which I remained in considerable pain and discomfort. After completing the physical therapy, I returned for an examination by Dr. Ortho, who advised me that I would have residual pain and stiffness for another few months.
The medical specials for my treatment are as follows:
A-One Ambulance Co. $600
Sutter Hospital $1,400
Debra Doctor, M.D. $260
Opal Ortho, M.D. $1,110
San Juan Radiology Group $280
Bergman Physical Therapy $840
Prescription medication $10
TOTAL = $4,500.00
I look forward to your prompt reply on this matter.