What the Letter Looks Like
Every letter follows standard business-letter structure: a reference block the adjuster can file against, a factual account of the incident, your liability position, injuries and treatment, an itemized damages table, and a specific settlement demand with a response deadline. Illustrative sample below — your letter is written from your own facts.
RE: Claim No. 4417-B92066
Date of Loss: March 12, 2026
Your Insured: [Other driver]
Claimant: [Your name]
Dear Ms. Alvarez:
I am writing to present my claim for damages arising from the motor vehicle
collision of March 12, 2026, and to request settlement in the amount stated below.
INCIDENT AND LIABILITY
On March 12, 2026, at approximately 4:40 p.m., I was stopped at the signal at
Grand Avenue and 9th Street when your insured's vehicle struck my vehicle from
behind. The responding officer documented the collision under report
No. 26-04417. Your insured was cited at the scene...
ECONOMIC DAMAGES
Medical expenses $6,840.00
Lost wages $2,310.00
Vehicle repair $4,175.00
------------------------------------------------------------------
Total documented losses $13,325.00
Names, figures, and claim details above are illustrative only and do not represent a real claim or a promised outcome.
Compared With a Free Template
| |
Free template |
DemandLetterAI |
| Written from your facts |
You write every paragraph yourself |
Drafted from the answers you enter |
| Damages presentation |
Blank list you format by hand |
Itemized table, totalled automatically |
| Supporting records |
Not addressed |
Enclosures list built from what you have |
| Output |
A document you format yourself |
Formatted PDF ready to review and send |
| Time |
Hours of writing and reformatting |
Minutes to a preview |
| Cost |
Free |
$39 one time, after you see the preview |
DemandLetterAI is a document-generation service, not a law firm. It does not provide legal advice, review your claim, or guarantee payment or any particular settlement.
What Is An Insurance Demand Letter?
An insurance demand letter is a written request asking an insurance company to review a claim and consider payment for documented losses. It commonly includes incident facts, the claimant's position on responsibility, injuries or property damage, medical expenses, lost wages, other losses, and the requested settlement amount.
DemandLetterAI organizes the accident claim information you provide into a professional business-letter format, including medical expenses, property damage, lost wages, and your settlement demand. You are responsible for checking every fact, date, name, address, and dollar amount before sending the document.
Frequently Asked Questions
What should an insurance demand letter include?
It should include claimant and insurer information, incident facts, damages, documented losses, a settlement demand, and a requested response period.
Does DemandLetterAI provide legal advice?
No. DemandLetterAI is a document-generation service, not a law firm, and using it does not create an attorney-client relationship.
Does a demand letter guarantee payment?
No. A demand letter does not guarantee settlement, payment, or any particular outcome.