Vehicular Accidents: Is A Demand Letter Really Something You Need To Write?

Posted on: 30 August 2018

The aftermath of a vehicular accident can be a very overwhelming and confusing time for you. Not only do you face the possibility of losing valuable time at work, you also need to worry about paying for the medical services you received during your recovery. If you can't pay for the services, you could face a lifetime of emotional and financial problems. One of the things you can do is write a demand letter to obtain the money you need. Here's more information about demand letters and why you need to write one.

What Does a Demand Letter Do?

Although it doesn't apply to everyone, most physicians and physical therapists bill accident victims for the treatments and services they provide. Depending on the type of personal injury protection you have on your vehicle, your car insurance provider may pay up to 80 percent of your medical expenses, or up to $10,000 in some states. Once you reach your policy amount, you become responsible for any care and expenses you incur for them later. 

One of the ways to offset your impending expenses is to have the other driver's car insurance company pay them for you. You usually file a claim with the at-fault driver's insurer as soon as you're physically able to do so. Your claim should include a demand letter stating

  • The nature of your accident
  • The extent of your injuries
  • The type of income loss you experienced from your injuries
  • The amount of your medical care and expenses

You should submit your demand letter by Certified Mail to ensure that it reaches the other driver's claim adjusters. Once you submit your claim and demand letter, you wait for a response from the company. If you don't receive a response to your claim within 45 days, contact a vehicular accident attorney. 

What Can You Do If Your Demand Letter Goes Unanswered?

Demand letters may potentially expire if they go unanswered. Auto accident claims may also expire within a certain time period or limit. To prevent you from missing out on the financial help you need, an attorney may deal with the at-fault driver's insurance company directly.

Direct communication allows an auto accident lawyer to submit your paperwork, police reports, and other forms of documentation properly. The documents may also include new evidence of your accident, such as affidavits from any bystanders who witnessed the incident as it unfolded.

Once an attorney completes your claim, they'll await a response from the other driver's insurer. If any problems arise during the wait, an attorney will handle them or speak to you about them. 

You can learn more about writing a demand letter by contacting an auto accident attorney today.