3 Counter Offer Letter Templates: Boost Your Settlement

Craft a counter offer letter for an insurance settlement by professionally and assertively stating your case with evidence and reasons why the initial offer falls short. Utilize one of three adaptable templates to detail your accident, medical treatments, and losses or damages.

Template 1: Direct and Fact-Based Approach





[Your Full Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

[Claims Adjuster’s Name]
[Insurance Company Name]
[Company Address]
[City, State, Zip Code]

Re: Counter Offer for Claim Number [Claim Number]

Dear [Claims Adjuster’s Name],

I am writing in response to the settlement offer of [Initial Settlement Amount] for my insurance claim related to the incident on [Date of Incident], claim number [Claim Number]. 

After carefully reviewing the details of the offer and considering the extent of my losses and expenses, I find that the proposed amount does not fully address the financial impact the accident has had on me.

The initial offer does not adequately cover the medical expenses, property damage, and other related costs I have incurred. To date, my medical treatment expenses amount to [Total Medical Expenses], and I anticipate additional costs for ongoing treatment and rehabilitation. 

Furthermore, the property damage (including but not limited to my vehicle) has been assessed at [Total Property Damage Cost], which exceeds the amount allocated in your settlement proposal.

Given these circumstances, I respectfully counter your offer with a proposed settlement amount of [Counter Offer Amount]. This amount is based on the detailed breakdown of costs attached to this letter, which includes medical bills, repair estimates, and documentation of other expenses and losses.

I believe this counter offer more accurately reflects the comprehensive impact of the accident on my financial and personal well-being. I am committed to reaching a fair and reasonable settlement and am hopeful for a prompt and positive response.

Please find attached detailed documentation supporting my counter offer. I look forward to your reply and am available for any further discussion or clarification needed.

Sincerely,

[Your Signature (if sending by mail)]
[Your Printed Name]


Template 2: Detailed and Persuasive Approach

[Your Full Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

[Claims Adjuster’s Name]
[Insurance Company Name]
[Company Address]
[City, State, Zip Code]

Subject: Comprehensive Review and Counter Offer for Claim [Claim Number]

Dear [Claims Adjuster’s Name],

Thank you for your recent settlement offer regarding the incident that occurred on [Date of Incident], associated with claim number [Claim Number]. 

Having thoroughly reviewed your proposal and assessed the full scope of my losses and needs arising from this unfortunate event, I feel compelled to present a counter offer that more accurately mirrors the damages and the subsequent financial burden I am facing.

The initial settlement offer of [Initial Settlement Amount] falls short of covering the extensive medical treatments required for my injuries, the repair or replacement costs of my property, and compensating for the pain, suffering, and loss of enjoyment of life I have endured. 

Specifically, my medical treatments, which have included [Brief Description of Medical Treatments], have amounted to [Total Medical Expenses], significantly surpassing the figures accounted for in your initial assessment.

Additionally, the cost to repair my vehicle, as well as personal property that was damaged or lost in the incident, amounts to [Total Property Damage Cost]. This, coupled with the emotional and physical toll the accident has taken, necessitates a more substantial settlement.

As such, I respectfully propose a revised settlement amount of [Counter Offer Amount]. This figure is derived from a comprehensive evaluation of all related expenses, both incurred and anticipated, as well as non-economic damages. Attached, please find detailed documentation and receipts that substantiate my claim.

I am eager to resolve this matter amicably and efficiently and believe that my counter offer is both fair and just, reflecting the true extent of the losses and impacts I have suffered. I am available to discuss this proposal further and hope we can come to a mutually satisfactory agreement soon.

Thank you for your attention to this matter. I look forward to your response.

Warm regards,

[Your Signature (if sending by mail)]
[Your Printed Name]


Template 3: Professional and Concise Approach

[Your Full Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

[Claims Adjuster’s Name]
[Insurance Company Name]
[Company Address]
[City, State, Zip Code]

Subject: Settlement Counter Offer – Claim [Claim Number]

Dear [Claims Adjuster’s Name],

I appreciate the time and effort invested by [Insurance Company Name] in evaluating my claim related to the incident on [Date of Incident], under claim number [Claim Number]. 

However, after reviewing the settlement offer of [Initial Settlement Amount], it is clear that the amount does not fully compensate for the range of expenses and losses incurred.

To address the shortfall, I have conducted a detailed assessment of all associated costs, including but not limited to medical expenses, property damage, and ancillary costs. 

Based on this review, I propose a counter offer of [Counter Offer Amount], which more accurately reflects the financial impact of the incident on my life.

Enclosed, you will find a comprehensive breakdown of expenses and justification for the proposed settlement amount. This includes medical bills, repair estimates, and evidence of other financial impacts directly resulting from the incident.

I trust that this counter offer will be given serious consideration. I am keen to work towards a swift and fair resolution and am available for any further discussions or information sharing required to facilitate this process.

Thank you for your understanding and cooperation.

Best regards,

[Your Signature (if sending by mail)]
[Your Printed Name]


Each template can be tailored to fit the specifics of your situation. Be sure to include all relevant documentation and adjust the tone and content according to the nature of your communication with the insurance company.

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