Car accident demand letter generator
Fill in the blanks and get a clear, professional demand letter for the insurance company, ready to print or copy. Everything stays in your browser; nothing is sent or saved.
Before you send it
- Attach copies Medical bills and records, wage proof, police report and photos. Keep the originals.
- Send it trackably Certified mail or the insurer's claim portal, so you can prove when it arrived.
- Keep a copy Note the date sent and the response deadline in your calendar.
- Mind the lawsuit deadline Negotiating does not pause it. See deadlines by state.
Not sure what to ask for? Check the settlement calculator for your state, and if the insurer replies with a number, use Is my offer fair?
Frequently asked questions
- What is a demand letter?
- A demand letter is a written request to the at-fault driver's insurance company to pay a specific amount to settle your injury claim. It explains what happened, your injuries and costs, and the amount you are asking for, with copies of supporting documents.
- How much should I ask for in a demand letter?
- Most people ask for more than they expect to receive, because the insurer will counter lower. A common starting point is the upper end of a reasonable estimate. Use the settlement calculator to see a range for your state.
- When should I send a demand letter?
- Usually after you finish treatment or your doctor can estimate future care, so all costs are included. Send it well before your state's deadline to file a lawsuit.
- What should I attach to a demand letter?
- Copies (not originals) of medical bills and records, proof of lost wages, the police report, photos of injuries and damage, and any repair estimates.
This is a general template, not legal advice. For serious injuries, a lawyer can usually negotiate more.