How to Write an Insurance "Demand Letter" in a California Injury Case

A demand letter to an insurer is often the first step toward settling a California accident or personal injury case.

A well-written demand letter can mean the difference between settling a case quickly or getting ignored for months on end.

To help you understand how to write a great demand letter in a California injury case, our California personal injury lawyers discuss, below:

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1. The purpose of a demand letter in a California accident or injury case

An insurance company demand letter is similar to an opening argument in a court case. It explains to the insurance adjuster:

  • When and how the accident or incident happened,
  • Why the defendant is responsible,
  • The extent of the plaintiff's injuries, and
  • The damages the plaintiff has incurred and will likely incur in the future.

2. Why a well-written demand letter is important

A well-written demand letter sets the tone for the negotiation. It lets the adjuster know the injured party is serious about pursuing his or her right to compensation.

It presents enough facts to improve the odds of settling a case without a trial while saying nothing than can come back to hurt the plaintiff's case should a trial prove necessary.

3. What information should a demand letter contain?

A demand letter does not need to be long. However, it should present enough information to give the adjuster a clear sense of what happened. It should also set forth a strong case for why the defendant is liable and how the plaintiff has been injured.

Information that should be provided in or with a demand letter usually includes:

  • The time, date and location of the accident or incident,
  • The names and contact info of the parties involved,
  • A clear account of what happened,
  • What injuries the plaintiff sustained, and
  • Any supporting documents in the plaintiff's possession, such as:
    • X-rays, MRIs or other objective test results;
    • Photos and/or videos of the accident scene;
    • Photos and/or videos showing the plaintiff's property damage and/or physical injuries; and
    • A summary of damages the plaintiff has incurred and is expected to incur in the future – including:
      • Medical bills
      • Car repair bills, 
      • Lost wages,
      • Future lost earning capacity (with an opinion letter from an economic expert, if appropriate), and
      • An explanation of any non-economic damages -- such as scars, loss of physical function, and pain and suffering -- with supporting photos, documents and doctor's reports, if available.

4. Should a demand letter ask for a specific dollar amount?

Demand letters should generally not ask for a specific dollar amount. For one thing, the full extent of damages is not always known at the time the letter is written.

More importantly, asking for a specific amount sets an upper limit for the negotiation that can be hard to increase. Therefore it is usually to the plaintiff's advantage to have the adjustor make the first offer.

The exception is when the plaintiff is seeking the maximum amount payable under an insurance policy and that amount is both known for certain and supported by the evidence.

Example: Janice suffers a brain injury after hitting her head on the concrete as the result of a slip-and-fall accident during a neighbor's pool party. Janice's lawyer confirms that the neighbor has a homeowner's policy and umbrella policy with combined limits of $2,000,000.
Janice's medical bills are projected to top out at several million dollars and Janice will likely require lifelong care. Therefore her lawyer is comfortable proposing the case be settled for the policies' limits.

5. How a California injury lawyer can help write an effective insurance demand letter

The demand letter is one of the most important documents an insurance adjuster will receive. Its importance cannot be overstated.

As a result most people prefer to have a lawyer write one on their behalf. Lawyers write demand letters on a regular basis and know what details to include. Just as importantly, they know what not to say.

Additionally, it is sad but true that adjusters pay more attention when there is a lawyer involved. We do not take a dime from our clients unless and until their case settles or we win at trial. Adjusters know this.

The mere fact that we have reviewed the facts and accepted a case sends the message that the claim has substance.

Need help with a demand letter in California? Call us…

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If you or someone you care about has been injured in California because of a car accident, dog bite, dangerous product, slip and fall accident or another wrongful act, we invite you to contact us for a free consultation.

Our caring California personal injury lawyers can help you analyze your case and craft a demand letter with the best chance of getting you the compensation you need and the justice you deserve.

Call us at 855 (396-0370) or fill out the form on this page to speak to an experienced California injury attorney about your case.

We can also help you write an effective demand letter after a Nevada accident or injury.

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