Demand Letter Samples, Templates, and Forms to Settle Your Personal Injury Insurance Claim
- FIRST, by your honesty and admitting problems your claim might have, and discussing them as an advocate by marshalling your facts to support your position.
We are going to present parts of an insurance demand letter sample that is presented in nine distinct topics. You make whatever organization suits you and your claim. This sample demand letter would look like overkill for a claim where the medical expenses were less than $1,500. So for smaller cases, just shrink this demand letter example down.
- Serious liability dispute;
For complex insurance injury claims, we do invite our members to use our special module of pages, entitled Complex Claim Scenario. We set this aside as a separate category because it will require extra planning, demonstrative evidence, lay witness statements, etc. More:
We Make Big Money Insurance Company
For eight years prior to this accident I had been enjoying excellent health, and I participated in many physically demanding activities. My work as a warehouseman was not overly taxing, but still, it did require some physical exertion. I have never been in an accident nor made a claim other than one instance some 13 years ago, when I was injured as a passenger in a car.
Nothing remarkable in the past eight years. I did have complaints of a sore back from work starting nine years ago, in October 2001. I treated conservatively with a chiropractor and the pain subsided within six weeks. Thereafter, I had chiropractic treatments whenever I felt back pain. This was on a twice per month average. Within a few months I had no pains whatsoever, and I quit chiropractic care entirely over eight years ago, my last visit being November 2002. Since then, I have had no complaints of pain or treatments of areas of the body that were injured in this accident.
Did you know that it is legal- and increasingly popular -to settle YOUR bodily injury insurance claim? Do it yourself AND WIN! Get MAXIMUM insurance results, AND put the award in YOUR POCKET, not the attorney's. Why pay a stranger to do what you can do for yourself?
I do not think there will be any disagreement about the liability of your insured: he clearly did not stop at the red light, and his speed caused a hard crash to my vehicle. There is nothing whatsoever that I could have done to either avoid this accident or to lessen its impact. Hence, the fault must be 100% attributed to your insured.
The impact was significant and I was absolutely shocked and stunned
SIDEBAR: Colossus & Like Valuation Software Impact- Demand Letters are IRRELEVANT Unless Supported by Medical Records
"The adjusters are strictly required to only go by, injury-wise, what information is in the medical records. If it is not in the medical records, then they are not allowed to even consider it.
"While the legal profession has historically used narrative-style demand letters to convey claims, much of the information provided in such a demand letter has no value in Colossus. Adjusters look almost entirely to the medical records for the information required by Colossus."
"Claims representatives do not read most demand packages. Colossus questions the claim representative about different aspects of the case and, depending on the answers derived from the medical chart notes and medical records as well as their impact on severity, adjusts the base profile rating up and/or down. The lay and legal communities did not understand these programs in the past and still don't. They don't understand how to communicate with the adjuster because they don't understand how to communicate with Colossus type programs.
"No medicine: no money" is a truism in this insurance claims settlement business. And it is a bit cynical, but the insurance adjusters who recite it to those of us who represent injury victims know it to be true. "No medicine: no money" means that general damages awards in bodily injury insurance claims depend upon the quality and quantity of medical care necessary. Reasonable and necessary medical costs incurred by claimant will increase the value of personal injury insurance claims at www.SettlementCentral.Com.
That is why we teach our members how important it is to discuss all of your injuries, no matter how small, with your doctor and have them noted in the medical report. The members' side of www.SettlementCentral.Com is replete with dozens of tips on how to get your injuries documented ACCURATELY in the medical records.
- Burden of Proof: What do YOU Have to Prove & By What Standard Will You Prevail? More:
Now, with respect to my wage loss claim of $1,501.50, I am enclosing a letter from my supervisor at work, General Foreman Greg Tough, which identifies the problems I had at work due to my injury. It also states that my company has no program available for transfer to light work in the case of an injury. Thus, the foreman agrees that the most reasonable thing to do in the circumstances was to take such time off of work as may be necessary to heal. Please note that Dr. Practice was the one who determined that this time off was necessary as the result of the bodily injuries I sustained. See his notes in my records.
In all, I missed the afternoon of the accident, four additional full days, the ten half days for healing, and the ten hours necessary for my doctor appointments.
Lost wages will be paid ONLY if the absence from work is necessary due to the accident injuries, and the amount can be proven empirically (i.e. wage rate times days lost), and is not subject to speculation (i.e. claiming that a new salesman lost some commissions might be a challenge). Try to find where your doctor authorized you to take time off work, and cite that to the adjuster. It is not essential for the doctor to have mentioned time off work, but if she did not, then you will have to prove the medical necessity of staying off of work. This is doable, but takes some effort.
Please note that all enclosed medical bills do show the ICD-9 code for the service rendered. I am enclosing medical bills and prescription receipts totaling $2,389.73, as follows:
Dr. G. Practice, M.D (Examination and 3 visits)