How to Write a Personal Injury Letter for Higher Insurance Settlement

How to Write a Personal Injury Letter for Higher Insurance Settlement

How to Write a Letter



By Asif L Shaikh

Writing a strong personal injury demand letter can significantly increase your car accident settlements. Having a well written injury letter can show the insurance companies that you know how injury claims work, highlight the key components of your claim, and get you a high insurance settlement.

Despite what most people think, you don't need to hire an expensive lawyer to write a convincing personal injury letter.

Here are a few tips that can increase your accident settlements.

Summarize the Auto Accident

Your injury letter should begin by briefly describing how your accident took place. Your description of the car accident will lay the foundation for the rest of your injury letter. In your description you can include things like

  • Which street were you driving on?
  • How fast were you going?
  • what happened right before the accident?
  • What happened right after the accident?
  • How were you injured?

You should include a paragraph about how the other driver was responsible for your accident. However, just merely writing that the other driver was responsible is not enough. Just saying that you were injured is also not enough.

Insurance companies are notorious for paying low injury settlements. To get more money, you need to make a convincing argument in your personal injury letter that supports your story.

In order to do this, you need to include evidence that shows the other driver was responsible(or more responsible) for your car accident AND that your injuries are serious.

The best place to start is by using your

Car Accident Report

If police arrived at your crash site, then they wrote up a car accident report. The car accident report can be a great resource for your personal injury letter. The report contains several vital information such as:

  • Description and diagram of the accident
  • Names of witnesses
  • Traffic violations
  • Hazardous road conditions

Using the car accident report gives you a credible source. It makes it difficult for the insurance companies to dispute your claim. You can include information from the car accident report in your letter to make a more convincing argument. For example, the report may state that the other driver was speeding. You could use this to put more blame for the accident on the other driver.

The report may also have contact information of witnesses who can corroborate your version of how the accident happened.

Using the car accident report gives your letter more authority and makes your personal injury case stronger.

Besides proving fault, you should also focus on proving your injuries are serious. The best way to show serious injuries are through your....

Medical Report

The medical report is your best resource for information about your injuries. As you are writing your personal injury letter, you should make a conscious effort to include the correct medical terms for your injuries. Doing such makes your injuries appear more serious.

For example, instead of writing " I broke my wrist" you should write, "I suffered a scaphoid fracture in my left wrist." Do you see the difference? Which description sounds more serious and painful to you?

Even though you are describing the same injury, you can see how inserting a few medical words can make your injuries appear more severe. This makes it easier for you to convince the insurance companies about the level of pain and suffering you experienced as a result of this injury. And by showing more pain and suffering in your letter, you are able to get a higher personal injury claim settlement.

These are a few tips to writing your personal injury demand letter.

But before you write one, make sure you understand how to calculate your personal injury settlements