How to write a demand letter for personal injury

A demand letter should include: a clear statement that you're making a claim; date, location, and description of the accident; explanation of how the other party was at fault; description of your injuries and medical treatment; itemized list of your damages including medical expenses, lost wages, and out-of-pocket costs; description of your pain and suffering and how the injury affected your life; a specific dollar amount you're demanding; a deadline for response; and copies of supporting documents like medical records, bills, and photos. Keep it professional and factual. Be aware that insurance adjusters evaluate demand letters daily and a poorly written letter can hurt your negotiating position. For severe injuries, a demand letter requires far more than itemizing current bills. It must include future medical costs, lost earning capacity calculations, life care plans, and documentation of permanent impairment. This level of documentation requires professional expertise.