You’ve been hurt in an accident and you know you deserve to receive monetary compensation to pay for your losses, but how do you get what you’re owed?
Dealing with insurance companies is a big part of the personal injury claim process, but it’s not always easy to get an insurer to pay up. You will need to know how to write a demand letter.
What is a demand letter and what should I include?
What is a demand letter, and how do you go about writing one? A demand letter is basically a document where you tell the insurance company why you’re owed compensation, and how much you’re owed.
You will want to point out how their insured harmed you and provide evidence of fault. You will need to include evidence of your injuries and your damages. Listed below are some of the key pieces of information you will want to include in your letter:
- Crucial information pertaining to the accident or incident that caused your injury
- Proof that the other party was to blame for the accident
- Evidence of your injuries and your medical expenses
- Proof of other damages related to your claim
You will also want to provide a demand for a sum of money that you believe is fair compensation for your losses.
What will the insurance company do after receiving your demand letter?
The insurance company will take your letter and compare it to the information they have concerning the accident. If they believe that your demand is fair, they might agree to your settlement offer.
If they believe that you aren’t asking for an amount they believe to be fair for your injuries and damages, they might counter with a different offer. Keep in mind that dealing with insurance companies is often a process. It could take several months for both parties to go back and forth until you both reach an agreement that is satisfactory.
Is the insurance company always fair in their dealings?
In some cases, it can be difficult to get the insurance company to pay you fairly for your losses. They might try to say that your injuries aren’t as severe as you’re saying they are, for instance. They could also try to place blame for the accident on you, so that they can lower your claim’s value. They know that if you are somewhat to blame, they won’t have to pay you as much in a settlement.
Can a lawyer help me with my demand letter?
A lawyer can be a valuable commodity when dealing with insurance companies. Not only can an attorney assist you in writing a demand letter, they can help you with the entire claims process. Working with a Rockford injury lawyer is often in your best interest when negotiating an insurance settlement.
Your lawyer will take a lot of stress and pressure off you, so that you can focus on recovering from your injuries and still receive the monetary compensation you deserve.