Demand Letter Generator
Fill in the facts of your claim and get a structured draft demand letter — a starting point for negotiating with an insurance adjuster, not a finished legal document.
How to use this letter
- Send it after maximum medical improvement, not before — a demand written while you are still treating anchors your claim at an incomplete value. See our full guide on writing a personal injury demand letter for why timing matters and what destroys a demand letter.
- Review every field before sending. Replace any bracketed placeholder left blank with the correct detail, or remove that sentence.
- Attach copies of your supporting documents — medical bills, records, photos, repair estimates — never originals.
- Send it in a way you can prove was received — email with a read receipt, or certified mail.
- Keep a copy of everything you send, including the date sent.
If your claim involves a significant injury, disputed liability, or a state with a strict shared-fault rule, have a licensed attorney review this draft before it goes out. See our comparative fault calculator and statute of limitations calculator to check two things worth knowing before you send anything, and our do I need a lawyer? checklist if you're not sure whether to send this yourself at all.
Frequently Asked Questions
Is this a legal document, and can I just send it as-is?
It is a starting template, not a legal document and not legal advice. It gives you a structured, professional starting point so you are not writing a demand letter from a blank page. For anything beyond a minor, straightforward claim, have a licensed attorney review it before you send it — wording choices in a demand letter can affect your negotiating position and, in rare cases, be used against you later.
Should I mention who was at fault, or admit anything about my own actions?
State what happened factually and let the facts show fault — avoid speculating about percentages of fault or including anything that could read as an admission on your part, even in passing. If your state reduces or bars recovery based on your own share of fault, a careless sentence in a demand letter can be quoted back at you later. See our comparative negligence guide for why that percentage matters so much in some states.
What settlement amount should I ask for?
Demand letters conventionally ask for somewhat more than the sender expects to actually settle for, leaving room to negotiate down. Our injury settlement calculator gives a rough, educational starting estimate based on your medical bills, lost income and injury severity if you have not already settled on a number.
What happens after I send it?
The insurer typically has a claims process with its own internal timeline — the letter above requests a response within a stated period, but insurers do not always meet self-imposed deadlines. A demand letter is usually the opening move in a negotiation, not the final word; expect a counteroffer rather than an acceptance of your initial number.
Should I send my medical records and bills along with this letter?
Copies (never originals) of medical bills, records, photos and any other supporting documentation are conventionally enclosed with a demand letter — the letter above references enclosures for that reason. Keep your own complete set; do not rely on the insurer to return anything you send.