Maximize Your Compensation: Tips for Writing a Personal Injury Demand Letter

A personal injury demand letter is a document that outlines the damages and losses you have suffered as a result of an injury caused by another party’s negligence or wrongdoing.

It is typically sent to the insurance company of the party responsible for the injury, requesting compensation for medical bills, lost wages, and other expenses related to the injury.

To write a personal injury demand letter, follow these steps:

  1. Gather all relevant documentation, including medical records, police reports, and any other evidence of the injury and its impact on your life.

  2. Outline the details of the accident, including when and where it occurred, how it happened, and any witnesses who were present.

  3. Explain how the injury has affected your life, including any physical pain, emotional suffering, and financial losses you have incurred.

  4. Calculate the total amount of damages and losses you are seeking, including medical bills, lost wages, and any other expenses related to the injury.

  5. Write the demand letter, including a brief summary of the accident and the injuries you sustained, a detailed explanation of the damages and losses you have suffered, and a clear request for compensation.

  6. Include any supporting documentation, such as medical records and receipts, to back up your claims.

  7. Keep the tone of the letter professional and avoid making any threats or ultimatums.

sample 1 - personal injury demand letter

[Your Name]
[Your Address]


[Insurance Company Name]
[Insurance Company Address]

Re: Demand for Compensation for Personal Injury

Dear [Insurance Company],

I am writing to demand compensation for the personal injuries I sustained in an accident that occurred on [date of accident] at [location of accident]. The accident was caused by the negligent actions of [name of responsible party].

As a result of the accident, I sustained the following injuries: [list injuries]. These injuries have caused me significant physical pain and emotional suffering, as well as financial losses in the form of medical bills and lost wages.

Attached to this letter, you will find copies of my medical records and receipts for the expenses I have incurred as a result of the accident. The total amount of damages and losses I am seeking is [amount].

I request that you respond to this demand within 30 days with a fair and reasonable offer of compensation. If I do not receive a satisfactory response within that time, I will consider taking legal action to seek the compensation I am entitled to.


[Your Name]

sample 2 - personal injury demand letter

Jennifer St. Thomas
78 Biglow Way
Reynoldsburg, Ohio 43068

April 9, 2022

Global Insurance ABC Companies
89 Santa Monica Way
Santa Monica, CA 90878

To Whom It May Concern,

I am writing regarding a personal injury accident that occurred on Tuesday, April 2, 2022. I was walking down Main Street on my way to the local post office.

James Louder was traveling heading East on Main Street and wasn’t paying attention at the intersection. He ran right into my leg and caused me to fall.

As a result of this incident I have suffered a broken leg that required surgery. I have pins in my leg and have to learn to walk again. I have been in excruciating pain and have had to miss a great deal of work.

I have attached statements from the police department and also eye witnesses on the scene. Attached you will also see my medical reports and the seriousness of my injuries.

While I am not looking to get rich off of Mr. Louder or the insurance company, I want the compensation I deserve. After doing some research on my injuries, I feel the total package is worth $120,000.

I have attached my medical bills, which totaled $70,000 and the rest is for my pain and suffering. I expect to hear from you within 10- days regarding this matter.


Jennifer St. Thomas