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Personal Injury Demand Letter Example:
In this personal injury demand letter example we'll focus on one very specific type of accident.

Click here for the critical info you MUST include in YOUR claim letter.

Naturally what you cover in your own claim letter will depend on the specifics of your accident. Still, the basic structure will be the same.

In the personal injury demand letter example below, the other driver was clearly at fault because they ran a stop sign.

The main injuries suffered are broken bones. Typically these would come with secondary injuries that you'd also discuss (cuts, bruises, etc.), and there are extra damages that involve missed work.

In this personal injury demand letter you’ll notice there's a formal layout that should be followed.

Your name, address and date the letter is being sent should be right-justified at the top of the page and the person and address you're sending the letter to should be left justified several lines lower. This is the standard layout for most any kind of business letter.

Under their address will be the information about the claim. By now you have already contacted the adjuster by phone or at least by notification letter and through that you'll have learned the claim number. Be sure to include it as shown. The term ‘date of loss’ is just a fancy way of saying when the accident happened.

-------------START PERSONAL INJURY DEMAND LETTER-------------



John Taylor
620 Fast St.
Cort, NY 27633

July 30, 2009


Martha Hunter
Claims Adjuster
Insurance R Us
9420 Young St
Bathurst, NY 59832

Re: Your Insured, Mark Walby
Claimant: John Hancock
Claim no.: 832-098
Date of Loss: May 8, 2009

Dear Ms. Hunter:

As I notified you in the letter of May 14, 2009 I was injured during a car accident with Mark Walby, your insured. I was driving northbound along Erskine Road and your insured was heading east on Broadview Ave. While I was passing through the intersection of Erskine and Broadview your insured failed to stop at a stop sign and rammed into the driver’s side of my car.

The huge impact threw my car several yards and crushed the side of my vehicle. That crushing blow struck along the left side of my body as well as jolting me towards the other side of my car.

The instant pain and horrible damage to my car left me stranded until paramedics were able to come to my aid. At the North Town Medical Center they discovered extensive bruising, both internal and external, and x-rays revealed several broken bones in my left leg, ribs and arm.

I was left in casts and bandages and ordered to several days of bed rest. Medication was also prescribed to me because of the large amount of pain I was suffering.

Sleeping was difficult for most of that time because the pain kept waking me. After returning home I still needed to go back to the hospital for multiple follow-ups to monitor my injuries.

During my difficult recovery time I missed four weeks of work due to my difficulty in maneuvering myself even as the injuries slowly subsided. When I did get back to work my days were unproductive because of the casts I still had to wear.

Even now I suffer recurring pains and have difficulty getting around. My doctor says I can expect the pains to continue occasionally for at least several more months.

As shown in the enclosed records, my medical expenses were as follows:

Ambulance fee:                                                    $________
North Town Medical Center (emergency room):          $________
North Town Medical Center (x-rays):                       $________
Leg and arm cast:                                                $________
Prescribed medication:                                          $________

Total: $_______

The enclosed letter from my place of employment confirms the days of work I had to miss. The letter also indicates the wages I lost in that time $______ (4 weeks at $____ per week).

Because there was great negligence on the part of your insured I went through a great deal of pain, suffering and disruption to my life. A lot of that suffering is still going on. Due to this I demand compensation for my injuries and general damages in the amount of $______.

I look forward to hearing from you soon on this matter, no more than 30 days from the date of this letter.

Yours truly,

John Taylor

-------------END PERSONAL INJURY DEMAND LETTER-------------

In this demand letter John would also attach copies of police reports, medical records and bills, receipts from the medication and the letter from work.

Note that the description of the accident uses harsh words like “rammed” and “huge impact.” This creates more dramatic images then just a formal statement like “when he hit my car.” The same holds true for the description of the pain and injuries. Keep it dramatic.

Also note that in this personal injury demand letter example there is no mention of how John was driving. He may have been going too fast or he may have even been distracted by a cell phone. Until this is brought up by the insurance company, if at all, there's no reason for John to implicate himself.


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