Car Insurance Claim Letter [Free Samples]

Many car accident cases involve just claims for vehicle damage rather than personal injuries. When communicating with the insurance adjuster, especially when it’s time to make a demand, you still need to be strategic and professional. An example of a demand letter in an insurance claim for vehicle damage following an automobile accident is shown below.

Sample 1 - Car Insurance Claim Letter

Jonathan Holmes
7600 Old Church Way
Cleveland, Ohio 49875

September 23, 2021

State-Wide Insurance
2399 Slate Ridge Blvd.
Reynoldsburg, Ohio 43068

To Whom It May Concern;

On September 20, 2021, our 2018 Honda Accord was involved in an accident. Susan, my wife, was driving at the time. A man ran a red light and crashed into the back end of our automobile as she was driving eastbound on Brice Rd. in Reynoldsburg. She was brought to the emergency room with a shattered right arm and whiplash.

The cost of repairing our car is $5,498. Susan’s injuries have resulted in medical bills totaling $3.980. We are requesting a flat sum payment of $12,000 to compensate her for her pain and suffering. Susan will have to take time off work to recover, and this has been a traumatic experience for her. We may need surgery depending on how the arm responds.

Our goal is to resolve this situation as rapidly as possible. The police report is provided, as well as corroborating statements from two witnesses. Susan was not at fault and was minding her own business while driving. We are looking forward to rapidly resolving this issue.


Jonathan Holmes

Sample 2 - Car Insurance Claim Letter

[Name of Claimant]
[Address of Claimant]
[City, State, Zip Code]


[Name of Insurance Adjuster]
[Name of Insurance Company]
[Address of Insurance Company]
[City, State, Zip Code]

RE: Claim letter for car accident for claimant number [INSURANCE NUMBER]

Dear [Name of Agent]:

This letter accompanies my formal claim to cover the cost of repairing my car [MAKE, MODEL AND YEAR], after a car, [MAKE MODEL AND YEAR] ran into my parked car damaging the rear end. 

My car was parked by the curb in front of my house at the above address, when [NAME OF DRIVER] failed to stop and crashed into the back of my car.

I bought my new car last year and planned to keep it for at least 10 years. I called the police and have included their accident report with my claim request forms.

I am hoping to get a financial settlement from the at-fault driver’s insurance company, but I need my car for work, so I had it repaired as soon as I could. In spite of this, I still missed five days of work. 

I have included the bills for repair and request that you pay out the amount of $5,000 for the repairs and loss of pay. When I receive compensation from the other insurance company, I will repay the amount. 

Please respond within 30 days after receiving this letter. I can be reached at [Phone Number] or at [Email Address].


[Signature of Claimant]
[Printed name of Claimant]
List of Enclosures: [police report, repair bills]

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