What To Include In Your Demand Letter To Your Car Insurance Company

Posted on: 23 November 2016

Following a car accident, you need to draft and send a demand letter to your car insurance company and let them know how much money you want for your accident. Here is the information that you should include in your demand letter to your car insurance company.

#1 Description Of The Car Accident

The first thing that you should include in your demand letter is a description of the car accident. You don't have to go in a play-by-play, but you should include a general description of what happened and whom was at fault in regards to the accident.

#2 Description Of Injuries & Medical Treatment

Second, describe the injuries that you suffered. Include details like if you took an ambulance from the scene of the accident to the hospital and what injuries the hospital determined that you suffered due to the accident. Then, include a general description of the medical treatment that you have had to undergo since the accident and the impact that it has had on your life.

#3 Description Of Other Loses

Third, describe any other loses that you experienced due to the car accident. For example, if the accident prevented you from participating in a special event, include that information. If the accident and your recovery prevented you from taking care of your children, include that information. If your computer was damaged inside of your vehicle, include the cost to replace your laptop and recover the data from the damaged laptop. If you had to rent a car while you were waiting for your car to get fixed, include this loss here as well. Anything that cost you extra or impacted your life due to the accident should be included in the letter.

#4 Detailed Monetary Demand

Fourth, you need to include a detailed monetary demand. This monetary demand should cover the cost of your medical care, long-term medical needs, lost wages, vehicle costs, additional losses as well as pain and suffering. If this is your first demand letter, remember to go big with your monetary demand. The insurance company is most likely going to counter-offer and negotiate the price with you, so you don't want to start off with the lowest amount that you will accept. Make your monetary demand up to 50 percent more than you will accept as your lowest offer. This will allow you the ability to negotiate with your insurance company and make sure that you get the money that you need to cover all of your accident related expenses.

For more information, contact local professionals like Downs, McDonough & Cowan LLC.


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