A demand letter is the document that moves a claim from a phone conversation to a written, documented request. You do not need a lawyer to write one. What matters is that the letter is organized, that every figure is supported by a record you actually hold, and that it states clearly what you are asking the insurer to do and by when.
DemandLetterAI organizes the claim information you provide into a professional business-letter format, then gives you a limited preview before you decide whether to unlock the full PDF for $39.
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.
Before drafting, collect the claim number, policy number, adjuster name, and the mailing address of the insurer. A letter the adjuster cannot immediately match to an open file is a letter that sits in a queue.
If you do not have all of these, send what you have and identify the claim by date of loss, the parties involved, and any reference number you were given.
Describe what happened in chronological order: where you were, what the other party did, how the incident occurred, and what happened immediately afterward. Use dates, times, and locations you can verify.
Adjusters read a large number of these. A calm factual account is more persuasive than adjectives. Leave out speculation about what the other party was thinking, and do not turn an uncertain detail into a stated fact.
Say plainly what your position is on responsibility and why the facts support it. If liability has already been accepted, reference that. If it is disputed, state your position and point to the records that support it rather than restating the conclusion.
Identify the injuries, when symptoms began, who treated you, what the treatment involved, and whether treatment is complete or ongoing. Tie each claimed medical expense to a bill you can produce.
Do not describe future treatment as certain unless a provider has documented it. Overstating this is one of the fastest ways to lose credibility on the whole letter.
Separate your losses into categories and keep them consistent with the records you are enclosing. Check that no single expense appears in two categories.
Give a specific figure rather than a range, and ask for a written response within a defined and reasonable period. A letter that asks the insurer to be fair gives them nothing to respond to.
Close by listing the records you are enclosing so the adjuster can check the letter against the documentation.
Answer the questions about your claim, review a free limited preview, and only pay if you want the complete letter as a PDF.
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No. There is no requirement that a demand letter be written by an attorney. Many people handle their own claim, particularly smaller property-damage claims that lawyers rarely take.
Long enough to cover the facts, the losses, and the request, and no longer. Most are one to three pages plus enclosures.
A defined, reasonable period stated in the letter, commonly somewhere between ten and thirty days. Pick a period you are actually willing to wait.
The adjuster typically reviews the letter and the enclosures and responds with acceptance, a counteroffer, a request for more documentation, or a denial. A demand letter does not guarantee any of these outcomes.
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