What does a typical demand letter look like in an automobile accident claim to an insurance
The purpose of this letter is to enable you to properly evaluate the claim of Joe Victim. Mr.
Victim is fifty-one years old. He has been happily married to Sarah Victim for 10 years.
Before the accident happened, Joe Victim was employed by General Mills where he worked
for the last two or three years as a truck driver and unloader. At the time of the accident Mr. Victim
was making $12.90 an hour and was working forty hours a week. His average weekly salary was
$521.53. He also had health insurance benefits as well as pension, life insurance, sick leave and
vacation benefits at General Mills. As a result of the accident, he will never be able to return to
truck driving which he has done most of his adult life.
Liability in this case is excellent. Mr. Victim was southbound on Liberty Road and the
defendant, Mr. Fault, was northbound on LibertyRoad. Mr. Fault crossed the center line and struck
the victim’s vehicle head-on. An accident reconstruction was done by Police Officer Eckstein, a
Baltimore County police accident and reconstruction expert, which is very thorough and places
fault on your client. Apparently, this conclusion is not contradicted by any of the experts you have
retained to investigate liability.
As a result of the accident, the truck which Mr. Victim was driving in was totaled and
sustained at least $33,000.00 in property damages. Most of the impact to the truck was to the front.
I have enclosed copies of the pictures of the damage caused to both vehicles involved in the
accident. Looking at the pictures, it is hard to believe that anyone could have survived this
With regard to medical treatment, Mr. Victim was initially flown to Shock Trauma by
helicopter where he was admitted on 4/16/04. He remained at Shock Trauma until 5/10/04 when he
was discharged to a rehab hospital. Examination at the scene of the accident