Letter of Demand Car Accident Settlement | Denver Injury Lawyers

Last updated on: April 8, 2021

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If you were injured in a car accident and are seeking compensation, writing a well thought out and clearly articulated demand letter is a crucial step for receiving a fair settlement. An effective demand letter will clearly describe what happened, list any injuries you suffered and treatment you received, value the cost of expenses incurred, and explain why the insurance company should pay.

A well-written demand letter does not need to be complicated but must provide all important information in a strongly worded format.

If you or a loved one is dealing with an insurance company after being injured in an automobile collision, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Denver car accident attorneys.

Elements of an Effective Demand Letter

There are several important elements of an effective demand letter. Your demand letter should include:

  • A “Statement of Facts” section where you clearly articulate the facts of the accident. Be sure to include the who, what, when, where, and why;
  • Summary of why the insured is at fault;
  • An “Injuries and Treatment” section where you provide a detailed description of any injuries you suffered along with any medical treatment you received;
  • An “Out-of-Pocket Expenses” section where you list any out-of-pocket expenses, such as property damage, vehicle repair expenses, medical bills, etc.;
  • A “Lost Wages” section where you list a total amount of wages you lost as a result of your injury causing your inability to work (if applicable);
  • A “Pain and Suffering” section where you provide a summary of any ongoing pain and suffering you may be experiencing;
  • Copies of any documents you have to support your claim, such as police reports, witness statements, doctors’ notes, receipts, etc.; and
  • A “Demand” section where you provide a total dollar value for your settlement. Be sure to be realistic in your demand, as you want to be taken seriously by the insurance company.

How to Write a Demand Letter

Keep your demand letter short and to the point. Try not to include any unnecessary detail. Instead. you should write clear and focused statements that contain the above listed pieces of information.

When writing your demand letter, remember:

  • Be Professional – You want your letter to stand out. Claims adjusters receive and read hundreds of demand letters. By being professional, insurance companies will take you more seriously and may be more inclined to offer a fair settlement.
  • Be Articulate – Provide all relevant information in strongly worded sentences.
  • Be Complete – Be sure to include all relevant documentation to support your claim.

When to Send a Demand Letter

You should not send a demand letter to the insurance company until you are at the end or near the end of your medical treatment, or your doctors inform you that you are sufficiently medically stable.

If you send your demand letter too early, you may not be able to fully list all medical treatments and resulting expenses.


At Zinda Law Group, our Denver car accident attorneys have helped thousands of victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you build the strongest claim possible and pursue maximum compensation for hospital bills, future medical costs, property damage, lost income, pain and suffering, and much more.

Our personal injury lawyers also believe an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we achieve a favorable settlement, judgment, or verdict for your case. That’s our No Fee Guarantee.

If you have been injured in a car accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with one of our experienced car accident lawyers in Denver.

Meetings with attorneys by appointment only.

Recommended Reading:

What to Expect in a Personal Injury Settlement with State Farm Insurance
What If the Insurance Company Denies My Claim?
How to Negotiate with Insurance Companies