Complaint Letter to Car Insurance Company Sample

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. 

Find out how to submit a letter of complaint to a car insurance provider. Use our sample complaint letter to vehicle insurance provider as a guide when writing your own.

Complaint Letter To Car Insurance Company Sample

Your Name
Your Address
City, State, Zip Code
Policy Number


Claims Manager’s Name
Insurance Company’s Name
Insurance Company’s Address
City, State, Zip Code

Dear Claims Manager’s Name,

I am sending this letter as a formal complaint about the settlement you made for my claim of DATE. I received your check for the amount of $ as the settlement you gave for the damage to my car when a tree branch fell on it during a storm.

You mentioned that the amount was for the depreciated value of my ten-year old NAME of CAR. For the past 10 years, I have paid a replacement value surcharge for the purpose of receiving replacement value on any claim made.

I have enclosed a copy of my last premium statement that shows I regularly pay a replacement value surcharge. The incorrect payment sent by you must have been an oversight. 

I request that you correct this mistake and send me a check for the difference as soon as possible. I can be reached at 555-123-4567 or a if you have any questions.

Thank you for your quick attention to this matter.


Your Name
List of Enclosures

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