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A lot of car accident cases involve no personal injury, only claims for damage to a vehicle. If you're making this kind of claim, you still need to be strategic and professional when corresponding with the insurance adjuster, especially when it's time to make a demand. Below is an example of what a demand letter might look like in an insurance claim for vehicle damage after a car accident.

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Sample Demand Letter: Claim for Vehicle Damage After a Car Accident
August 21, 20xx

Mr. Abner Kenny
Northern Insurance
P.O. Box 337
Milwaukee, WI

Re: Your insured: Jenkins Hardware
Date of incident: July 12, 20xx
Your file number: 23SCV666 [NOTE: Always use the insurer’s file number on all correspondence with the insurer]

Dear Mr. Kenny:

As you know, I was involved in a collision with a van owned by your insured on Chestnut St. in Waukesha, WI. I was waiting at a stop sign, when the Jenkins Hardware van rear-ended me. I was not injured, but my car suffered a fair amount of damage, which, despite repeated phone calls, Northern Insurance has so far refused to pay for.

The Jenkins driver was obviously negligent. He rear-ended someone waiting at a stop sign. It is an open-and-shut case. [NOTE: You want to explain all of the significant facts and then conclude with a statement that the insured is liable. If liability is relatively obvious, you don’t need to get into too much detail. If the defendant admits liability or makes any statements tending to admit that he/she was negligent, you definitely want to mention that in your demand letter. Learn more about Car Accidents Caused by Negligence.]