This is the question most people get stuck on. There is no formula an insurer is obliged to accept, and anyone who tells you there is a fixed multiplier is overselling it. What you can do is build a figure you are able to justify line by line, because a number you can explain survives a counteroffer and a number you cannot does not.
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DemandLetterAI is not a law firm and does not provide legal advice. Verify every fact, figure, expense, date, and supporting document before sending your letter.
Total your documented economic losses first: medical expenses, lost income, repair or replacement cost, and out-of-pocket costs. This is the floor of your request and the part of the letter an adjuster can verify directly against your enclosures.
If a figure has no document behind it, either get the document or leave the figure out. A single unsupported number invites the adjuster to question every other one.
Pain, disruption to daily life, missed events, and ongoing limitation are legitimate parts of an injury claim, but they have no invoice. Describe them concretely and specifically rather than reaching for a multiplier you cannot defend.
Concrete beats dramatic. Explaining that you could not lift your child for six weeks tells an adjuster more than stating that you suffered enormously.
Most claims settle below the opening demand, so asking for exactly your documented total leaves you nowhere to move. Asking for a figure wildly beyond anything your records support does the opposite kind of damage: it signals the letter is not serious and can stall the conversation entirely.
The workable range is a figure above your documented total that you can still walk an adjuster through without flinching.
If there is no injury, the request is essentially the cost to repair or replace, plus directly related costs such as a rental or towing. There is little room for a non-economic component, and the strength of the demand rests almost entirely on the quality of your estimate and photographs.
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No. Multipliers circulate widely online but no insurer is required to apply one, and presenting a figure purely as a multiple of medical bills is easy to challenge. A figure you can explain from your own facts is more durable.
Most claims settle below the opening demand, so some room is normal. A figure far beyond what your documents support tends to undermine the letter rather than anchor it.
No. You enter the settlement amount you are requesting. The letter organizes and presents it alongside your documented losses. It does not value your claim or advise you on what to ask for.
A counteroffer is a normal part of the process rather than a rejection. Being able to walk through how you built your figure is what makes the next conversation productive.
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