Writing an Auto Insurance Claim Letter (with Sample)
Use this sample auto insurance claim letter as a template for your formal claim letter.
Last updated on January 17th, 2019
The auto insurance claim letter is the centerpiece of the negotiation process for the insurance claim. This is the communication tool between you and the insurance company and a chance to make your arguments about what injuries are you have, AND why the other party is responsible and not you.
You need to be sure to include how much the medical costs are, and if there are any lost wages and the total damages suffered. Gather your thoughts and notes before writing this letter. The liability is the first thing you should focus on in this formal piece. Describe the accident and why you are not at fault.
Go Into Details
Go into details and name street names, the direction you were traveling and exactly what happened. If there is a police report, witness statements or written correspondence, then it is important to not only include those in the letter, but also make sure to attach a copy of these reports.
When dealing with most accidents, there are always the question of whether you are negligence and your actions may have caused the incident. The insurance company will want to investigate and make sure that you are not at fault. Make sure in the letter that you deny that any wrongdoing or fault for the incident
Even if there is the slightest bit of doubt in your mind that you may have done something that could have contributed to the accident, do not admit guilt in the letter. The letter is to state the facts as you see them. You should never make comparative arguments, as this may not be good for your claim.
If there are injuries that required treatment, it takes the whole matter to another level. You need to specifically describe what pain and trauma you have suffered. The goal is to emphasize how much pain you are in and if any of the injuries you have will be permanent or long term in nature. If there is something that is disabling, make sure to emphasize how this has affected your life now and will in the future.
The letter needs to touch on some financial aspects, but this must be done carefully. You don't want to act like an accident attorney and ask for absorbent amounts. Asking for a specific sum of money is acceptable.
Cost of Repairs
This can be a compiled figure of the cost of repairs to your car, any pain and suffering you may have and generally just what you think the incident is worth. It is advisable to increase or inflate the number by 75-100%. This way there is some room for negotiations.
The insurance company will probably want to have someone come and look at the car and also access your injuries. That is why providing great supporting documents is a good way to clear this matter up. If it is a small incident, like under $10,000 then it is probably better to use this claim letter to handle the business. However, if the accident is major and there are life altering injuries, then you need to get professional representation.
Sample Auto Insurance Claim Letter
7600 Old Church Way
Cleveland, Ohio 49875
2399 Slate Ridge Blvd.
Reynoldsburg, Ohio 43068
To Whom It May Concern;
Our 2012 Honda Accord was in an accident on DATE. My wife, Susan, was driving at the time. She was traveling Eastbound on Brice Rd. in Reynoldsburg when a man ran a red light and smashed into the back end of our car. She had to be taken to the ER where she suffered a broken right arm and whiplash.
The repair estimate to fix our car is $5,498. The medical bills from Susan's injuries are $3,980. Together with her pain and suffering, we are asking for a lump sum of $12,000 to settle this matter. Susan will have to take some time off work to heal and this has been a horrible event for her to deal with. Depending on how the arm does, we could be looking at surgery.
Our goal is to settle this matter quickly and efficiently. We have attached the police report, as well as supporting statements from 2 witnesses. Susan was not at fault and was driving along minding her own business. We look forward to solving this matter quickly.
By Andre Bradley