How to Write a Letter of Notification to an Insurance Company



Your personal injury claim begins with a notification letter. The letter formally notifies the at-fault party's insurance company of your intention to seek compensation for injuries caused by their insured's negligence. This can include reimbursement for medical bills, lost wages, out-of-pocket expenses, and an amount for pain and suffering.

This letter presumes you obtained the at-fault party's insurance information at the time of your injury, and thus can send your notification directly to the company. Regardless, be sure to review how to write a notification letter to the at-fault party.

Before proceeding, understand that handling your own claim is only okay if you've sustained minor injuries, such as whiplash, minor burns, or a chipped tooth. If your injuries are serious, such as permanent scarring, head trauma, or loss of limb, you must hire an experienced personal injury attorney to represent you.

Content

Keep your notification letter simple. It's too early to discuss things like negligence and fault. You may not yet have all the facts, and may have to change your theory of liability later. You will lay everything out in your formal demand letter, which comes after you've finished treating your injuries.

Your letter must appear professional. It should be typed, and free of spelling and grammar mistakes. Send it by certified mail, return receipt requested. This way you have proof of the date the insurance company received it.

Coming from a non-lawyer, the letter will not hold as much weight. Nonetheless, it's considered a signed statement, and will become evidence.

Below is a template for a basic notification letter to the at-fault party's insurance company. Throughout the letter you will notice buttons. Click these hints for the reasoning behind that section's wording and format. After the template, you can read some sample notification letters for reference.

Template for Letter of Notification to Insurance Company

[DATE OF LETTER]

Hint ±
It's prudent to date the letter the same day you mail it. This helps when establishing a timeline for the insurance company's response.


[INSURANCE COMPANY'S NAME & CONTACT INFO]

Hint ±
You should have obtained the at-fault party's insurance company's name and contact information at the time of the accident. If you forgot, or were physically unable to, the police report or incident report will have it. You can also ask the at-fault party directly.


Re: [TYPE OF CLAIM] injury

Claimant: [YOUR NAME]
Insured: [AT-FAULT PARTY'S NAME]
Policy #: [AT-FAULT PARTY'S INSURANCE POLICY NUMBER]
Date of Loss: [DATE OF THE ACCIDENT-INJURY]

To whom it may concern,

Please be advised that I am pursuing a claim for injuries and damages as a result of a [TYPE OF CLAIM] which occurred on [DATE OF INJURY] at [LOCATION], due to your insured's negligence.

Currently, I am not represented by an attorney. I am pursuing this claim in good faith, in hopes of settling the claim amicably, and without the need for litigation.

Hint ±
It's important to maintain a positive, but firm tone. This makes clear you want to settle the claim, but also implies you will consider legal action if the claim can't be settled fairly.


Please direct all communications regarding this claim to me directly. I request written notification of the policy limits of your insured's liability policy, including any excess/umbrella coverage which may exist. As more information becomes available, I will provide you with additional details regarding my claim.

Thank you for your anticipated cooperation in this matter.

Sincerely,

[YOUR NAME & CONTACT INFO]

Hint ±
Be sure to use an address, phone, and email where you will be most comfortable receiving correspondence from the insurance company.


Show/Hide All Hints

Remember, this is the notification letter, not the final demand letter. At this point, your injuries are recent, and you're likely still receiving medical treatment. Once you have fully healed, only then will you create a formal settlement demand letter.

Sample Notification Letters to Insurance Companies

All names and scenarios in the below letters are fictional. Any resemblance to actual people or companies is entirely coincidental.

Notification Letter for Car Accident Claim

August 30, 2014




All Accident Insurance Co.
155 Henry Ave.
Dallas, TX 75247
Phone: (555) 453-7879

Re: Auto Collision injury

Claimant: Jane Smith
Insured: Will Peighme
Policy #: 23232-2323
Date of Loss: 8/27/2014

To whom it may concern,

Please be advised that I am pursuing a claim for injuries and damages as a result of an automobile collision which occurred on August 27, 2014 at the intersection of James St and Hillstown Ave, Dallas, TX, due to your insured's negligence.

Currently, I am not represented by an attorney. I am pursuing this claim in good faith, in hopes of settling the claim amicably, and without the need for litigation.

Please direct all communications regarding this claim to me directly. I request written notification of the policy limits of your insured's liability policy, including any excess/umbrella coverage which may exist. As more information becomes available, I will provide you with additional details regarding my claim.

Thank you for your anticipated cooperation in this matter.

Sincerely,

Jane Smith
210 Desert Ave.
Dallas, TX 75247
Phone: (555) 239-4524
Email: janes@example.com

If you're involved in a car accident, even if it wasn't your fault, you still must report the collision to your own insurance company. If you don't, they may have the right to deny your coverage.

Sample Notification Letter for Slip and Fall in a Store

August 15, 2014




Low Standard Insurance Co.
155 Biddlebrickle Ave.
Bastion, NY 11792
Phone: (555) 342-7845

Re: Slip and fall injury

Claimant: Jane Smith
Insured: Slippery's Supermarket (Sarah Thomas - Owner)
              1215 Roe Boulevard
              Bastion, NY 11799

Policy #: 7899-56784
Date of Loss: 8/13/2014

To whom it may concern,

Please be advised that I am pursuing a claim for injuries and damages as a result of a fall injury which occurred on August 13, 2014 at Slippery's Supermarket, 1215 Roe Blvd, Bastion, NY, due to your insured's negligence.

Currently, I am not represented by an attorney. I am pursuing this claim in good faith, in hopes of settling the claim amicably, and without the need for litigation.

Please direct all communications regarding this claim to me directly. I request written notification of the policy limits of your insured's liability policy, including any excess/umbrella coverage which may exist. As more information becomes available, I will provide you with additional details regarding my claim.

Thank you for your anticipated cooperation in this matter.

Sincerely,

Jane Smith
24 Tamble Ave.
Bastion, NY 11793
Phone: (555) 239-4524
Email: janes@example.com

Communicating with the Adjuster

Once the at-fault party turns your letter over to her insurance company, you will be contacted by a representative, called a claims adjuster. He or she will be your primary contact at the insurance company for the duration of the claim.

Read the section on settlement negotiations to learn more about communicating with the insurance adjuster. Also, be sure to ask the adjuster for your claim number. You will need to reference it in all future communications.

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TYPE OF ACCIDENT
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PERSONAL INJURY
WORKERS COMPENSATION
MEDICAL ERROR
YES! I WANT FAIR COMPENSATION