two people in suits shaking handsWhile you can legally accept an insurance payout without the help of a lawyer, it is only recommended for those who have minor injuries and losses or who have past experience handling their own legal matters. Negotiating with an insurance company can be a grueling process spanning several months, after which the company may offer a low settlement that you do not want to accept—and you may still need to hire an attorney in order to file a personal injury lawsuit in court.

How to Send a Demand Letter to an Insurance Company

If you choose to negotiate with an insurer yourself, you will have to estimate the full costs of your injury claim and send a demand letter for that amount to the insurance company. The demand letter will need to outline why the insurance carrier is liable for the injuries, the extent of your injuries, the medical treatment you received, and the financial losses linked to the accident for which you are seeking payment.

It is worth noting that insurance agents are extremely skilled at reducing both liability and payments to policyholders, while victims may not have much experience in these matters. Without an attorney on your side, you may not get the full amount you need for your:

  • Medical bills. Your settlement should, at the very least, cover any medical expenses you have incurred as a result of your injury. It is vital to keep complete and accurate records of your medical treatment in order to provide the total amount charged by each in your demand letter.
  • Lost earnings. Lost earnings include the total amount of income you have lost since the day of the injury, but also the income you will be unable to earn in the future as a result of any disability. For example, if your injury has forced you to work part-time instead of full-time, an insurer may be responsible for making up the difference in your income for the remainder of your work life expectancy (until your date of retirement).
  • Pain and suffering. If you have experienced extreme hardship during your recovery or suffered long-term or permanent injury, you will have to show evidence of the negative effects of your injuries in order to get payment for your pain and suffering.

Our personal injury lawyers can review your settlement offer, negotiate with the insurance company on your behalf, and file a lawsuit if an insurer refuses to cover your injury costs—and we do not collect anything unless we secure a recovery for you. Simply fill out the short contact form on this page to set up a free initial consultation, or learn more in our free book, The 10 Worst Mistakes You Can Make With Your Tennessee Injury Case.