It can be hard to obtain the compensation you deserve for injuries caused in a car collision caused by a negligent driver. The insurance company could use many tactics to try to deny your claim or try to pay you less money than you should receive in your settlement. One key to obtaining the maximum recovery you are entitled to under Virginia law is to write an effective demand letter.
Information That Must Be Contained in a Demand Letter to the Insurance Company
A demand letter is a letter to the insurance company informing them of your claim and the amount of money you are willing to accept in your settlement. It is best to have an experienced car accident attorney write it on your behalf. To be effective, your demand letter should include the following information:
- Details of your collision. It is important that a demand letter outline the date, time, and place of your auto crash and how it occurred.
- Other driver’s negligence. The letter should also explain how the other driver’s negligence caused the wreck. Your lawyer may want to include photos taken at the collision scene, the police report, and other evidence that proves this.
- Your injuries and medical treatment. The letter must outline the seriousness of your injuries, medical care you will need, and cost of your past and future medical treatments. Your attorney will most likely attach medical records that support your claim for compensation for your medical expenses.
- Your property damages. The cost to repair or replace your car and any other property damaged in the wreck should be included in the letter. You should obtain at least two estimates to show the repair or replacement costs to include with your demand letter.
- Your wage losses. You are also entitled to your wage losses for periods you are off work recovering from your injuries. Your lawyer will collect your paystubs and other documentation of the wages and other benefits of your job to support this portion of your claim.
- Your pain and suffering. A strong demand letter will explain the pain, suffering, and emotional distress you suffered due to your injuries and coping with how they have changed your quality of life. You need the help of a skilled lawyer to value how much you should receive for these non-economic damages.
- Demand for compensation. The last part of a demand letter should state the amount of compensation you are entitled to.
Other Tips for Writing an Effective Demand Letter
You want your demand letter to convince the insurance company of their liability to pay you. Here are a few tips on making a demand letter persuasive if you are writing it yourself:
- Stick to the facts when explaining how the accident occurred and your injuries.
- Do not exaggerate the seriousness of your injuries.
- Do not be greedy and ask for more money than you know you are entitled to under Virginia law.
- Do not admit any fault in causing the auto collision.
Were you hurt in a car accident caused by another driver in the Virginia Beach or Norfolk area? Our dedicated car accident lawyers are here to explain your options and negotiate your settlement with the insurance company. Fill out our convenient online form to schedule a free case evaluation to learn more about how we can assist you.