What information should I include in an insurance demand letter?
Include your policy number, claim number, date of loss, a concise facts summary, damages, and what you are requesting. Reference supporting documents you have provided.
Should I include medical records or estimates?
Only include what is appropriate and necessary. Often you can reference an exhibit list or note that documents were provided separately.
How long does an insurer have to respond?
Timelines depend on jurisdiction and policy. Set a reasonable deadline and follow up. Consider seeking legal advice if delays persist.
Can this letter affect my claim?
It can become part of the claim file. Keep it factual and accurate. Avoid overstating facts or admitting uncertainty you don’t intend.