A demand letter is how you formally open settlement talks with the at-fault driver's insurer.
Fill in what you know and we'll assemble a clean, editable draft — free, and entirely
in your browser.
Read first. This produces a starting-point template, not legal advice,
and the people who built it are not attorneys. Review and edit every line before sending — and for
serious or permanent injuries, disputed fault, or a low-balling insurer, have a licensed attorney in
your state review it (most work on contingency). Everything you type stays in your browser:
nothing is sent to us or stored.
✓ We pre-filled your damages from the calculator estimate. Edit anything below before generating.
Your draft demand letter
Review and edit below, then copy or download. This is a template — make it yours and have it reviewed before sending.
What to do with this letter
Who it goes to: the at-fault driver's liability insurer — the claims adjuster handling your claim. Address it to the Claims Department and include the claim number.
When to send it: ideally once you've finished treatment or reached maximum medical improvement, so your damages are known. Don't accept a settlement — or sign a release — while you're still treating.
What to attach: copies (never originals) of your medical bills and records, proof of lost wages, the police report, and any repair estimates.
How to send it: certified mail with return receipt, or email with a read receipt — so you have proof it arrived. Keep a copy of everything.
This generator provides a general template for informational purposes only and is
not legal advice, not a guarantee of any outcome, and not a substitute for a licensed
attorney. Sending a demand letter has legal consequences and strategic trade-offs a template cannot
weigh. Laws and deadlines vary by state. Do not rely on this draft without reviewing it carefully and,
for anything serious, consulting a lawyer in your state. Using this tool does not create an
attorney–client relationship. See our full Disclaimer.