If your recent car accident caused injuries that required medical treatment, you have the legal right to seek compensation for these injuries if the other person driving caused the collision you were involved with. If you want to settle the case without hiring a lawyer, a good way to do this is by writing a demand letter. Here are some tips to help you write a good demand letter that the insurance company will take seriously.
Understand What a Demand Letter Is
Before you can begin writing a demand letter, it's important to understand what a demand letter is. A demand letter is a letter you write to the insurance company that is handling the case. The letter is designed to state who you are, what happened, and what you are asking for. It should be written clearly and should not be too long. Limiting it to one page is a good idea, and you should break it up into paragraphs to make it easier to write.
When you decide how much money to ask for, you should always ask for an amount higher than what you really want. This will leave some room for negotiations, and you will need that because the insurance company is probably not going to simply agree to your request right away and mail you a check.
You should also understand that when you do reach an agreement with the insurance company, they will ask you to sign a document that states they are paying you a certain amount and that you cannot come back and ask for any more money for the accident. In other words, the amount you agree upon is final, so you should make sure you receive a fair compensation before you sign any documents from the insurance company.
Include the Following Details in the Letter
There are several important things you will need to include in the letter as you write it. The first thing is an explanation of who you are and what accident you are referring to. Include the date of the accident and the name of the other party involved. Make sure you state your name and your address right away in the letter.
The next paragraph should contain a summary of the accident and what happened. It should clearly point out that the other driver caused the accident, and you should include any evidence or facts that prove this point.
Next, you should state the injuries you have from the accident as well as the medical treatment you received for it. Make sure you emphasize each injury separately and explain the number of doctor visits you had as well as any future appointments you may need.
Finally, you will need to ask for a certain amount of money to cover the damages you experienced from the accident. Be very clear as you write the letter so the insurance company knows exactly what you are requesting.
You should enclose copies of the police report, medical bills, and doctor's reports to prove that you are being honest about the injuries and accident.
Once you complete the letter, mail it certified mail, so that you can be sure that the insurance company receives it. After you mail it, you should expect to wait a little while before hearing back from the insurance company.
Negotiating a car accident case alone is something you could choose to do, but it is not always the right path to take. If you prefer, you could hire a car accident lawyer to help you settle the case. To do this, contact a personal injury law firm like Bangel, Bangel, & Bangel.