Sample Notice and Demand Letters for DIY Personal Injury Claims

Here’s a collection of notification and demand letters for common insurance claims. Look like a pro when handling your own claim with our letter formats and tips.

Most injury claims to insurance companies are for minor injuries caused by motor vehicle accidents, slip and falls, or other premises liability claims like dog bites.

If you’re interested in negotiating your injury claim without an attorney, you can probably get a fair settlement after a few rounds of offers and counteroffers with the claims adjuster.

Severe or complicated injury claims are best handled by an experienced personal injury attorney to ensure fair compensation for the injured victim.

Severe or potentially permanent injuries are high-dollar claims that usually require litigation before reaching a settlement. Complex injury claims like medical malpractice or wrongful death typically require extensive legal maneuvering to get anywhere near a fair settlement for the victim.

However, if you’ve recovered from relatively minor injuries, you may be able to successfully handle your own claim directly with the at-fault party’s insurance company.

As soon as possible after the injury, you’ll want to put the at-fault party and their insurance company on notice of your intent to file a claim. Your notice letter might also ask the at-fault party to “preserve” important evidence. For example, if you fall in a store, you’ll want the owner to save the surveillance camera footage for the day of your injuries.

Don’t be surprised if the insurance company offers you a fast payoff in exchange for a full release of the at-fault party. Most of the time, you’re better off waiting until you’ve fully recovered from your injuries before discussing an insurance settlement.

After you’ve fully recovered, you can kick off the negotiations phase of the injury claims process with a formal, written demand for compensation to the insurance company. We’ve compiled an array of sample injury claim demand letters that can help you draft your own demand.

Writing Basic Letters for Injury Claims

How to Write a Basic Notification Letter to the At-fault Party
We help you write your own letter of notification to the party responsible for your injury.

Sample Letter of Notification to the Insurance Company
It’s best to send a notification letter to the insurance carrier in addition to the at-fault party.

How to Write An Effective Demand Letter to the Insurance Company 
Start your claim negotiations with an effective compensation demand to the insurance company.