Write a Letter Regarding Claiming Insurance for a Car

January 27, 2012

Sometimes, when trying to collect on a car insurance claim, you will need to write a letter regarding claiming insurance for a car accident you may have been involved in, or for damages to your vehicle received during a storm or other covered event. Writing the letter can seem a little overwhelming if you are not really sure how to go about it. However, there is really nothing to writing a letter to a car insurance company and presenting your demand that a claim be settled fairly and quickly. Just be sure to keep the tone of the letter serious and straightforward, yet courteous and polite. Also, follow the below steps to make your demand letter more effective.

Step 1 - Keep the Format Easy to Read

Make sure the format of your demand letter is formal yet easy to read. The body of your letter should include no more than 2 to 4 concisely written paragraphs that are properly separated and easy to understand. Avoid using difficult words or phrases when writing your letter and make sure to use courteous and polite language, but remain firm and stern in the tone.

Step 2 - Remember The 5 Ws for Your Claim Letter

When describing the accident and subsequent damages, make sure to reference the 5 W's in your claim letter. Make sure to explain who, what, when, why and where about the particulars of the accident and damages or costs you have incurred as a result. Describe the events of the accident as they are portrayed in the police report and attach a copy of this with the letter. Also, indicate which party was found to be at fault in the police report. If the police report assigned no fault in the accident, make sure you do not claim fault as this could result in the denial of your claim.

Step 3 - Specify How Much and Why

When writing about damages and costs in the demand letter, make sure to reference verifiable amounts and expenses you have incurred, as well as any estimates to repair your vehicle. Also include amounts for any reasonable medical expenses you expect to incur in the future. Give a detailed description of any treatments that you have received and any diagnosis that a qualified doctor has made pertaining to your injuries. When claiming damages for potential future visits, be sure to reference statements made by your doctor or provider and explain why future costs may be incurred. When describing damages to your vehicle, and the cost to repair them, be sure to reference the number of estimates you have obtained as well as information about where you received them.

Step 4 - Set a Deadline For Responses

After you have finished relaying the details of the accident, and have included your demands for specific damages and injuries, you should set a deadline for a response from the car insurance company. Tell the insurance company in plain and straightforward language to make their reply by a certain date. Do not threaten action at this time; however, let the insurance company know that you will not wait forever for a fair and timely settlement of your claim.