Car accidents can be more complex than you might imagine. Many people assume that once you get the police report and the other party’s insurance information, the rest will work itself out. As favorable as that may seem, it is not that simple. If you wish to recover funds for accident-related damages, you must draft and send and a demand letter.
What is a Demand Letter?
A demand letter essentially sums up your car accident claim and is a necessary first step in recovering financial compensation. Sending the letter informs the insurance company that you are seeking compensation for damages that resulted from the accident, and gives them the chance to settle the case promptly.
Essential Details in Demand Letter
Simply informing the insurance company that you are hurt and they should pay up isn’t a sufficient enough demand letter. It must contain specific details to ensure that there are no questions left unanswered and no statement unsupported. An incorrectly written demand letter can result in an unnecessarily lengthy claims process. Ensure that your demand letter includes the following if you wish to make the claims process as seamless as possible.
Accident Facts
The insurance company may be already aware of the collision, but it still doesn’t hurt to lay out the facts. This allows you to provide your recollection of the accident. Be sure to keep it as to the point as possible and avoid injecting personal feelings or emotions.
Proposed Fault
Clearly explain why the other party’s at fault and include any documents to back up your statements including:
- Police reports
- Witness accounts
- Accident scene photos
Accident-Related Damages
Include your medical expenses and lost wages in the demand letter as well. Detail where you received treatment, who issued the treatment, and the total cost of the treatment. For lost wages, detail the amount of time you spent away from work as a result of the accident, and the pay you would’ve received during that time. Have your employer draft a letter as well to support such information. You can also include any other damages like non-physical injuries.
It is essential that you do not send off your demand letter until you are nearing the end of medical treatment as your condition may fail to improve and ultimately require further treatment.
If this all seems like plenty to remember, don’t worry. The Louisiana car accident attorneys at E. Orum Young Law Offices can guide you through the claims process and help ensure that you receive fair compensation. Our Trial Guarantee ensures that we will take your case to trial if you are ever dissatisfied with the initial results. Contact us today for a free case evaluation.
