Personal Injury Articles for the Injured of NJ

When Insurance Companies Ignore Demand Letters

Posted by Francis M. Smith on Wed, Mar 06, 2019

By Francis M. Smith

If seeking compensation for injuries you suffered in an accident were a chess match, the demand letter you send to the other party’s insurance company might be the opening move. In this letter, your attorney lays out the facts of the case: the circumstances of the accident and why the insurance company’s client was at fault; what injuries you suffered and the costs of the treatment those injuries required; any other expenses and financial losses following from your injuries; and a description of the harm your injuries have caused you beyond the financial, for which you are also entitled to compensation. But what happens if the insurance company decides that their best move is not to play at all – if they offer no response whatsoever to your demand letter? The response to a demand letter is meant to open negotiations over an injury settlement, and the absence of a response leaves you and your attorney arguing with thin air. So what can you do in this case?

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Topics: insurance company, settlement compensation, personal injury demand letter, insurance adjuster

Filing a Personal Injury Lawsuit When Your Demands Go Unanswered

Posted by Francis M. Smith on Fri, Mar 04, 2016

By Francis M. Smith

When you seek injury compensation from a party that harmed you, your attorney's efforts will likely to be a demand for settlement- either in a demand letter or made during a telephone conversation between the adjuster and your attorney. This is an important step, as it lays out the strongest arguments in support of your claim and puts forward the opening sally in your negotiation efforts. Generally, an insurance adjuster will contact your attorney after receiving your demand, describing what he or she perceives to be the weaknesses in your case, and negotiations proceed from that point onward. But what happens when you've done everything to cooperate with your attorney, you have followed your doctor's orders, proper documentation has been sent to the insurance carrier, and a demand for resolution has been made – which is then completely ignored by the insurance company? The hardest response to prepare for is no response at all.

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Topics: insurance company, negotiated personal injury settlement, personal injury demand letter

Writing Your Personal Injury Demand Letter

Posted by Francis M. Smith on Mon, Feb 22, 2016

By Francis M. Smith

If you are handling your own personal injury claim, just about every effort to seek injury compensation from an insurance company begins the same way: by drafting and sending a demand letter to the insurance company. This letter initiates the settlement negotiation process and sets the tone for your interaction with the insurance company. Your demand letter is also the first impression that the insurance adjuster gets of how much you understand about your rights and how organized and well-prepared you are in dealing with your case. As such, it's important to make sure that your demand letter is composed well, in order to set the best tone for the negotiations going forward.

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Topics: Injuries, Settlement Offer, injury compensation, insurance company, negotiated personal injury settlement, personal injury demand letter

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