Tips to Write Effective Claim Letter – Samples & Examples, claim letter sample.#Claim #letter #sample


Claim Letter

The letter of announcement will be referred to the upcoming customers, client contacts, existing customers to make them aware of some offers and schemes that can help them to make big savings.

This would entitle the purpose of offering exciting offers in a money-spinning sense. These letters are written to the customers so that they can make good profits.

Table of Contents

Claim Letter Writing Tips:

  • Write briefly about the offers and the schemes; write what benefit the reader is going to get from the schemes.
  • Write the period in which the offer is valid. This will help the customer to avail the offer.
  • Use positive tone. Ask for a positive reply. Use attractive language so that it can grab the attention of the readers towards the offers and discounts.
  • Write that the reader is very valued customer and hence you are writing this letter.

Claim Letter Template

Subject – sample credit letter

I am ___________ (name) writing this letter to you to declare the schemes and offers on behalf of our company that is ____________ (name of the company) .On this Diwali we have declared festive season offers. If you place an order between 01.11.2013 to 15.11.2013 then you can avail these offers. We will also regular products prices in this time period. So if you want to gain huge profits then you can place big orders in this period of time. You can also buy larger quantities. These offers for all our important customers and you are one of them. Hence you are requested to be benefited by these offers.

Download Template (Doc and PDF)

Claim Letter Sample, Email and Example/Format

Sample

Subject – sample credit letter

We feel very good to announce various schemes and offers for our honoured customers like you. We have arranged special festive season cent per cent discount concessions for all the orders for new and old range of products. Kindly not that this is not stock clearance offers but we will present you with fresh stock. The offers are Diwali special and hence they are for limited period of 01.11.2013 to 1511.2013. We suggest you to place your order between these periods so that you can avail such offer and make profit. Moreover, for a limited period, we are reducing the prices for all items in our catalog. Hence you are requested to take advantage of the same. You can order for larger quantities or heavy consignments so that you can make good profits. Waiting for a huge response from your side. Hope to see you soon in regard to this.

Email Format

A Claim Letter is a tool informing a company of the partial or full damage done and requesting a decent reimbursement against it. It however may either be written by the claimant informing about the loss or the company giving the reimbursement informing the claimant of the reimbursement that is on its way may also write it.

________________ (Name and address of insurance company)

Subject: Sum Assured against death of my father

Dear Sir or Madam

I, ________ (name) had taken a life insurance policy from your company against policy number ____________ on _________ (date) for my father, ____________ (name of father). The nominee of the policy is my mother, ___________ (name of mother).

With deep regret this is to inform you that my father passed away on _________ (date) due to a massive heart attack. I have attached a copy of the doctor’s report as well as the death certificate for your reference.

Even though nothing can repair our loss but since my mother was dependent on him and she was the nominee of the policy, I would like to file this claim with you. May I request you to please release the money due to my mother against my father’s life insurance policy at the earliest. As per our records the sum due to her is Rs.___________?

We look forward to a quick resolution to our claim.


Award Nomination letter, Sample – Format, claim letter sample.#Claim #letter #sample


Award Nomination letter, Sample & Format

by Nishanth CR Published January 8, 2016 Updated October 12, 2017

Introduction

An Award nomination letter is written for an individual who has performed excellently in some task that warrants a public acknowledgment. An award nomination letter is similar to a recommendation letter where the favored candidate is suggested to the authorities for consideration in getting a reward or award. The Award Nomination letter is written by a competent authority to nominate a potential candidate who meets all the criteria for an award. The letter is a recommendation letter that highlights the competencies and weaknesses of the awardee.

The Award Nomination letter should be written formally. The nominator must ensure that the candidate that he/she is backing meets the relevant criteria and can portray the skills and achievement required to be awarded the particular honor. Only relevant information should be mentioned in the letter with regards to the award nomination. The letter must be written clearly so that it highlights the strengths and weaknesses of the candidate. The letter must be written with an appropriate measure of respect to the awards committee.

Award Nomination letter Sample

The following is a Sample Award Nomination Letter.

Green Meadows High School,

The United States of America.

Mr. Joseph McCallum,

Green Meadows High School,

The United States of America.

Subject: Best Sportsman Award Nomination – Randy Lockett

Dear Principal McCallum,

Please allow me to put forward the name of Randy Lockett, a Grade 12 football captain at Green Meadows High School, for the school’s prestigious award of Best Sportsman of the year for this year, YYYY.

Mr. Randy is an exceptional student and is in the top 5% of his academic cohort. He takes immense initiatives and ensures that he completes them with perfection. The activeness that he shows both in academics and extra-curricular is truly a great deal of commitment and an expression of his leadership skills. I can attest without a doubt that he will one day be a great leader of this country. I have that much confidence in the working of Mr. Randy.

Mr. Randy Lockett has been involved in 3 football competitions this year and led the team to a championship in all three competitions: the inter-school league, the district league, and the national league football competitions. Mr. Lockett, a responsible and talented football captain, has greatly motivated his team to excel in the games they entered. Mr. Lockett is also a Duke of Edinburgh Award recipient and is an avid reader and volunteer. He was responsible for organizing the cleanliness drive of 2007 in his neighborhood.

I would like to nominate Mr. Randy Lockett, for the coveted Green Meadows Best Sportsman award for this year, for his excellent performance in this year’s competitions. He has certainly raised the football standard with his exceptional showmanship.


Sample Letter for Requesting Copies of Claim-Related Documents, United Policyholders, claim letter sample.#Claim #letter #sample


claim letter sample

NOTE: This letter is a sample that must be customized to fit the facts of your individual situation and claim. All bracketed and underlined portions must be completed or revised before sending.

(Name of adjuster or highest-ranking ins. co. employee you can identify)

(Name of Insurance Co.)

Re: Claim Number _____________

Date of Loss: _____________

Name of Insured: _______________________

Address of Insured Property: _________________________________________

Dear [INSURANCE COMPANY],

As part of your investigation of our claim, your adjuster and people associated with or hired by your company may have inspected our property, taken notes and written or obtained reports and estimates on the damage. We need to see those reports and estimates so we can be informed and continue cooperating with you on our claim. Thank you in advance for your return cooperation.

Please provide complete copies of our claim file and/or all claim-related documents. For purposes of this request, “claim-related documents” means all documents that relate to the evaluation of damages, including, but not limited to, repair and replacement estimates and bids, appraisals, scopes of loss, drawings, plans, reports, third-party findings on the amount of loss, covered damages, and cost of repairs, and all other valuation, measurement, and loss adjustment calculations of the amount of loss, covered damage, and cost of repairs.

[NOTE: If you live in California, your insurance company is legally required to comply with this request by Cal. Ins. Code section 2071 – Requirements in Case Loss Occurs]

Please send these documents to the mailing address listed below within fifteen (15) calendar days of the date of this letter. Thank you in advance for your prompt handling of this request. I look forward to receiving the above-requested documents and working with [INSURANCE COMPANY] to reach a full, fair and timely settlement.


Claim Letter, Sample Claim Letter Format, claim letter sample.#Claim #letter #sample


Claim Letter

What is a claim letter?

Do you know when claims can be made? It can be made when you want to claim for damage to the property or to the people.

Is the situation severe? If yes, then you can ask for full reimbursement and if no, then you can ask for partial reimbursement. Wishes of the applicant also play an important role in such a situation. As soon as the damage occurs, you should send the claim letter to the responsible company.

Claims can only be made when there is a legal agreement drafted between the two parties. In the claim letter, you should add supporting documents that can give a backup to your argument.

The claim letter is also written when a buyer has any kind of complaints regarding seller products and in such a letter, compensation is demanded. Sometimes in such a scenario, negligence of transportation authority can also affect the buyer’s product and this can compel him or her to write a claim letter.

When any customer writes a letter showing displeasure about any product and claiming compensation for the same, then such a letter can be named as a claim letter. Sometimes, such issues can be solved with a phone call or with a personal meet. It is always advisable to write a claim letter because such a document can work as a proof. An increase in the business volume of operations leads to an increase in the frequency of claim letters. In such a scenario, it becomes important for an organization to revert back in order to maintain its reputation.

Important Elements of a Claim Letter

Here are the few important elements of a claim letter:

  • What has gone wrong? It is important to give the right answer that can clearly explain the things that went wrong. Now be it a defective product or a faulty service, it is important to give full and quick information in your claim letter.
  • If it is a faulty product, then you should add details like date of purchase, date of arrival, an amount paid, the colour of the product, a size of the product, order number, model number, etc. Providing such details can make it easy for a supplier to re-check the product.
  • Is it a defect or is it the mistake? Whatever may be the problem, but it is important for you to mention the inconvenience caused by adding a statement related to it. You should also mention the details related to the loss suffered due to the defective product or bad quality of services.
  • It is important on your part, to be honest, and to motivate the reader so that the required action can be taken easily to rectify the situation.
  • Mention the things or the amount of money that you want to claim, in detail. Include a statement that says, the adjustments you would consider to be fair.
  • Always write such a letter to the head of the department, in order to get a quick response.

Tips on Writing an Effective Claim Letter

Now you must be knowing that writing a claim letter is like writing a complaint letter. You can get the claim granted with some satisfactory adjustments, only when your claim letter is accurately and tactfully written. Here are the few tips that you need to follow in order to write an effective claim letter:

  • In such a letter there is no scope of giving threatening messages or adding invalid accusations. What will you do if the matter is not solved? Don’t give the answer to this question in your claim letter.
  • You should always address such a letter to a specific person rather than addressing it to the entire company.
  • Start your letter with the positive attitude because studies have shown that such a letter created a good impact on a reader even if it is related to some criticism. It is human nature to get defensive when someone complaints. So it is important to mention a complaint in a good manner.
  • What is a specific problem that you are facing? What is a solution to it? Give answers to these questions in your claim letter.

Features of a Well-Written Claim Letter

Finding fault is an easy task for anybody! Adding such a fault tactfully in a claim letter is important. Here are the few features that should be the part of your well-written claim letter:

  • When you have the best reason to ask for a claim, then it is advisable to not make mistakes with your language.
  • It is important to be clear about the things that have gone wrong, in your claim letter.
  • Don’t be rude with your language or use any kind of bad words but it is important to describe the mistake accurately with the good tone in your claim letter.
  • Add details related to the definite dates, type of product, quality of services, invoice number etc. This can make it easy for the reader to trace your product.
  • Address the letter to the right person and state the adjustment that you are looking forward to.

You must be knowing now that a claim letter is written to ask for a possible compensation or any kind of adjustment. Understand one thing that mode of claims asked for, are not always the same and it may differ depending on the situation and the nature of loss. Below are the different mode of claims that a buyer can claim:

  • You can ask for partial or full refund
  • You can ask for a replacement of the defective product
  • You ask for the repair of the damaged product
  • You can ask to make future delivery of the product with the correct items
  • You can ask for further discounts
  • You can ask to make the required changes in the bill
  • You can ask to credit the amount to your purchase account
  • You can cancel your entire order or a portion of the order
  • You can ask to reschedule the payment process

How to Write a Claim Letter?

  • You need to specify the type of claim you are making in the beginning of the letter itself.
  • If it is an insurance claim, then don’t forget to add your policy number.
  • If you are using some documents as an evidence for your claim, then mention the details about the content of your document in your letter to support your claim.
  • Mention your contact details that can make it easy for the reader to contact you in the future.
  • Be thankful to the reader for maintaining patience and reading your letter.

Sample Letter for an Insurance Claim

A claim letter is a means to inform the company regarding the partial or complete damage happened and request the company for the reimbursement of the same. The letter has to be written by the claimant to ask for the compensation or to inform about the damage that has taken place. This letter is also [ ]

Sample Letter for an Insurance Claim

The sample letter for the insurance claim is written with regards to the insurance of your vehicle. It can also be regarding the insurance claim of any other things like life insurance mediclaim etc. This is completely an official letter and has to be written in formal manner. One can write insurance claim letter to [ ]

Warranty Letter

The warranty letter is written in case of a claim of a warranty of any product or service. The product may include refrigerator, cooler, DVD player, microwave etc. the letter contains the details about the product warranty number, period etc. This letter can also be included in the category of complaint letter. The letter is [ ]

Claim Letter

The letter of announcement will be referred to the upcoming customers, client contacts, existing customers to make them aware of some offers and schemes that can help them to make big savings. This would entitle the purpose of offering exciting offers in a money-spinning sense. These letters are written to the customers so that they [ ]


Local Orlando Breaking News and Live Alerts – WESH 2 News, claim letter.#Claim #letter


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Medicare denial codes, reason, action and Medical billing appeal, claim letter.#Claim #letter


Medicare denial codes, reason, action and Medical billing appeal

Medicare denial codes, reason, remark and adjustment codes.Medicare, UHC, BCBS, Medicaid denial codes and insurance appeal. Sample appeal letter for denial claim. CO, PR and OA denial reason codes codes.

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Wednesday, October 11, 2017

Wheelchair CPT code list

Procedure Code Description Rate

K0001 STANDARD WHEELCHAIR $491.58

K0815 POWER WHEELCHAIR, GROUP 1 STANDARD, SLING/SOLID SEAT AND BACK, PATIENT WEIGHT CAPACITY UP TO AND INCLUDING 300 $3,164.67

Friday, September 8, 2017

Getting Authorization for inpatient hospital visit

PRIOR AUTHORIZATION CERTIFICATION EVALUATION REVIEW (PACER)

Reconsiderations The attending physician/dentist or the hospital may request reconsideration of the adverse determination of the ACRC regarding the need for admission, readmission, transfer, or continued stay. This reconsideration right applies regardless of the current hospitalization status of the beneficiary. Reconsiderations must be requested within three business days of the adverse determination. (Refer to the Directory Appendix for ACRC contact information.) If requested by the ACRC, the provider must provide written documentation. The provider is notified of the reconsideration decision within one business day of receipt of the request or the date of receipt of written documentation. If the initial adverse determination is overturned, the adverse determination is considered null and void. If the initial adverse determination is upheld or is modified in such a manner that some portion of the hospital care is not authorized, the hospital is liable for the cost of care provided from the date of the initial determination, unless this determination is overturned in the Medicaid appeals

If the ACRC does not authorize the admission or the continued stay for an admission and the beneficiary remains in the hospital for one or more days after Medicaid payment is not authorized, the hospital is at risk of Medicaid nonpayment for those days. The provider may request post-discharge review by the ACRC, regardless of whether reconsideration was requested on the case, in writing within 30 calendar days of the discharge from the hospital. A copy of the medical record must accompany the post-discharge review request.

case is in the reconsideration, post-discharge review, or formal appeals process. Submission of such a claim does not imply acceptance of the ACRC determination.

A. ADMISSIONS/READMISSIONS/TRANSFERS THAT REQUIRE A PACER NUMBER

** Medicaid beneficiaries enrolled in a Medicaid Health Plan (MHP). (Authorization must be obtained through the MHP.)


The Letter Your Teenager Can – t Write You, how to write a claim letter.#How


The Letter Your Teenager Can t Write You

How to write a claim letter

How to write a claim letter

This is the letter that I wish I could write.

This fight we are in right now. I need it. I need this fight. I can’t tell you this because I don’t have the language for it and it wouldn’t make sense anyway. But I need this fight. Badly. I need to hate you right now and I need you to survive it. I need you to survive my hating you and you hating me. I need this fight even though I hate it too. It doesn’t matter what this fight is even about: curfew, homework, laundry, my messy room, going out, staying in, leaving, not leaving, boyfriend, girlfriend, no friends, bad friends. It doesn’t matter. I need to fight you on it and I need you to fight me back.

I desperately need you to hold the other end of the rope. To hang on tightly while I thrash on the other end—while I find the handholds and footholds in this new world I feel like I am in. I used to know who I was, who you were, who we were. But right now I don’t. Right now I am looking for my edges and I can sometimes only find them when I am pulling on you. When I push everything I used to know to its edge. Then I feel like I exist and for a minute I can breathe. I know you long for the sweeter kid that I was. I know this because I long for that kid too, and some of that longing is what is so painful for me right now.

I need this fight and I need to see that no matter how bad or big my feelings are—they won’t destroy you or me. I need you to love me even at my worst, even when it looks like I don’t love you. I need you to love yourself and me for the both of us right now. I know it sucks to be disliked and labeled the bad guy. I feel the same way on the inside, but I need you to tolerate it and get other grownups to help you. Because I can’t right now. If you want to get all of your grown up friends together and have a ‘surviving-your-teenager-support-group-rage-fest’ that’s fine with me. Or talk about me behind my back I don’t care. Just don’t give up on me. Don’t give up on this fight. I need it.

This is the fight that will teach me that my shadow is not bigger than my light. This is the fight that will teach me that bad feelings don’t mean the end of a relationship. This is the fight that will teach me how to listen to myself, even when it might disappoint others.

And this particular fight will end. Like any storm, it will blow over. And I will forget and you will forget. And then it will come back. And I will need you to hang on to the rope again. I will need this over and over for years.

I know there is nothing inherently satisfying in this job for you. I know I will likely never thank you for it or even acknowledge your side of it. In fact I will probably criticize you for all this hard work. It will seem like nothing you do will be enough. And yet, I am relying entirely on your ability to stay in this fight. No matter how much I argue. No matter how much I sulk. No matter how silent I get.

Please hang on to the other end of the rope. And know that you are doing the most important job that anyone could possibly be doing for me right now.


How to Write a Lost Wage & Income Demand Letter, how to write a claim


How to Write a Lost Wage Income Demand Letter

You need a lost wage and income demand letter to ask for monetary compensation for lost earnings related to injuries from an accident caused by another party. You typically send a lost wage and income letter to the insurance company of the other party. For example, you would send a demand letter to the auto insurance company providing coverage for a person who hit your car if the accident resulted in injuries to you and you missed time from work. A properly written demand letter improves your chances of getting back the earnings you lost.

Make a list of the lost income and wages to get an accurate total. For example, if you lost 20 hours of work, multiply the 20 hours by your hourly pay rate. Estimate as accurately as possible for self-employment wages. Compare the same 20-hour span from previous weeks to get an average income. Make copies of supporting documents, such as pay-stubs or business activity reports.

Ask the treating physician for a letter stating the dates you could not work. Ask the physician to include possible future dates of missed work.

Ask your employer for a lost wage and income statement if possible. Ask the employer to include how many hours lost and the total lost earnings.

Describe the accident in the first section of the letter. Include what you were doing at the time, the accident itself and that the other party is at fault. State any outside facts that point to the other party being at fault, such as witness statements and police reports.

Describe the medical treatments, pain you experienced and damage you suffered from the accident in the second section. Include medical terms. State the length of recovery and the injury s effects on everyday life.

List the lost wages and income in the third part of the letter. Include the future lost wages estimation. Mention the physician s letter. Refer to the employer letter if you have one. Show how you calculated the total if you do not have an employer letter and refer to the supporting documents.

State the monetary demand in the last section of the letter. Include the current and future lost wages, but round up to leave room for negotiation. Specify the demanded amount is only for lost income and wages.

Sign the letter. Print your name underneath the signature. Attach any supporting documents to the back of the letter.


Claim Letter, Sample Claim Letter Format, how to write a claim letter.#How #to #write #a


Claim Letter

What is a claim letter?

Do you know when claims can be made? It can be made when you want to claim for damage to the property or to the people.

Is the situation severe? If yes, then you can ask for full reimbursement and if no, then you can ask for partial reimbursement. Wishes of the applicant also play an important role in such a situation. As soon as the damage occurs, you should send the claim letter to the responsible company.

Claims can only be made when there is a legal agreement drafted between the two parties. In the claim letter, you should add supporting documents that can give a backup to your argument.

The claim letter is also written when a buyer has any kind of complaints regarding seller products and in such a letter, compensation is demanded. Sometimes in such a scenario, negligence of transportation authority can also affect the buyer’s product and this can compel him or her to write a claim letter.

When any customer writes a letter showing displeasure about any product and claiming compensation for the same, then such a letter can be named as a claim letter. Sometimes, such issues can be solved with a phone call or with a personal meet. It is always advisable to write a claim letter because such a document can work as a proof. An increase in the business volume of operations leads to an increase in the frequency of claim letters. In such a scenario, it becomes important for an organization to revert back in order to maintain its reputation.

Important Elements of a Claim Letter

Here are the few important elements of a claim letter:

  • What has gone wrong? It is important to give the right answer that can clearly explain the things that went wrong. Now be it a defective product or a faulty service, it is important to give full and quick information in your claim letter.
  • If it is a faulty product, then you should add details like date of purchase, date of arrival, an amount paid, the colour of the product, a size of the product, order number, model number, etc. Providing such details can make it easy for a supplier to re-check the product.
  • Is it a defect or is it the mistake? Whatever may be the problem, but it is important for you to mention the inconvenience caused by adding a statement related to it. You should also mention the details related to the loss suffered due to the defective product or bad quality of services.
  • It is important on your part, to be honest, and to motivate the reader so that the required action can be taken easily to rectify the situation.
  • Mention the things or the amount of money that you want to claim, in detail. Include a statement that says, the adjustments you would consider to be fair.
  • Always write such a letter to the head of the department, in order to get a quick response.

Tips on Writing an Effective Claim Letter

Now you must be knowing that writing a claim letter is like writing a complaint letter. You can get the claim granted with some satisfactory adjustments, only when your claim letter is accurately and tactfully written. Here are the few tips that you need to follow in order to write an effective claim letter:

  • In such a letter there is no scope of giving threatening messages or adding invalid accusations. What will you do if the matter is not solved? Don’t give the answer to this question in your claim letter.
  • You should always address such a letter to a specific person rather than addressing it to the entire company.
  • Start your letter with the positive attitude because studies have shown that such a letter created a good impact on a reader even if it is related to some criticism. It is human nature to get defensive when someone complaints. So it is important to mention a complaint in a good manner.
  • What is a specific problem that you are facing? What is a solution to it? Give answers to these questions in your claim letter.

Features of a Well-Written Claim Letter

Finding fault is an easy task for anybody! Adding such a fault tactfully in a claim letter is important. Here are the few features that should be the part of your well-written claim letter:

  • When you have the best reason to ask for a claim, then it is advisable to not make mistakes with your language.
  • It is important to be clear about the things that have gone wrong, in your claim letter.
  • Don’t be rude with your language or use any kind of bad words but it is important to describe the mistake accurately with the good tone in your claim letter.
  • Add details related to the definite dates, type of product, quality of services, invoice number etc. This can make it easy for the reader to trace your product.
  • Address the letter to the right person and state the adjustment that you are looking forward to.

You must be knowing now that a claim letter is written to ask for a possible compensation or any kind of adjustment. Understand one thing that mode of claims asked for, are not always the same and it may differ depending on the situation and the nature of loss. Below are the different mode of claims that a buyer can claim:

  • You can ask for partial or full refund
  • You can ask for a replacement of the defective product
  • You ask for the repair of the damaged product
  • You can ask to make future delivery of the product with the correct items
  • You can ask for further discounts
  • You can ask to make the required changes in the bill
  • You can ask to credit the amount to your purchase account
  • You can cancel your entire order or a portion of the order
  • You can ask to reschedule the payment process

How to Write a Claim Letter?

  • You need to specify the type of claim you are making in the beginning of the letter itself.
  • If it is an insurance claim, then don’t forget to add your policy number.
  • If you are using some documents as an evidence for your claim, then mention the details about the content of your document in your letter to support your claim.
  • Mention your contact details that can make it easy for the reader to contact you in the future.
  • Be thankful to the reader for maintaining patience and reading your letter.

Sample Letter for an Insurance Claim

A claim letter is a means to inform the company regarding the partial or complete damage happened and request the company for the reimbursement of the same. The letter has to be written by the claimant to ask for the compensation or to inform about the damage that has taken place. This letter is also [ ]

Sample Letter for an Insurance Claim

The sample letter for the insurance claim is written with regards to the insurance of your vehicle. It can also be regarding the insurance claim of any other things like life insurance mediclaim etc. This is completely an official letter and has to be written in formal manner. One can write insurance claim letter to [ ]

Warranty Letter

The warranty letter is written in case of a claim of a warranty of any product or service. The product may include refrigerator, cooler, DVD player, microwave etc. the letter contains the details about the product warranty number, period etc. This letter can also be included in the category of complaint letter. The letter is [ ]

Claim Letter

The letter of announcement will be referred to the upcoming customers, client contacts, existing customers to make them aware of some offers and schemes that can help them to make big savings. This would entitle the purpose of offering exciting offers in a money-spinning sense. These letters are written to the customers so that they [ ]


Sample Reply Letter to Too-Low Injury Settlement Offer, claim letter sample.#Claim #letter #sample


Sample Reply Letter to Too-Low Injury Settlement Offer

As mentioned in our Tips for Negotiating Settlement of an Injury Claim, the adjuster might make a settlement offer that is unreasonably low, maybe as a negotiating tactic to see if you understand the value of your claim. Whatever the reason for the adjuster’s low-ball offer, do not immediately lower the amount you asked for when you sent your demand letter. Instead, ask the adjuster for reasons why the offer is so low. Then write a brief letter responding to each of the factors the adjuster has mentioned. A sample letter is shown below.

123 Peach Street

Denver, CO 00000

Rocky Mountain Insurance Company

1000 Throughway Boulevard

Denver, CO 00000

Re: Your Insured, Richard Leonard

Claimant: Angel Ruiz

Claim No.: 93-HQ1234

Date of Accident: January 13, 20xx

Dear Mr. Rubinion:

In our telephone conversation today, you relayed Rocky Mountain Insurance Company’s offer to settle my claim for $1,000. However, none of the reasons you gave for such a low offer is supported by the facts.

You claimed that I was as much at fault in the accident as your insured. You assert that I had a duty to avoid hitting him because he was already in the intersection when our cars collided. This assertion is not supported by the facts. Indeed, the police report indicates that your insured had a yield sign, and I had the right of way. Thus, I did not have a duty to avoud hitting your insured and am not at fault for the accident.

In addition, you claimed that I suffered “only a soft tissue” injury, which did not justify either the physical therapy I underwent or my settlement demand. If you look at the record of my X-rays, you will see a narrowing of cervical vertebrae. Therefore, your characterization of my injury as “minor” and as “soft tissue” is completely unjustified.

Because of the slight possibility of some minor comparative negligence in the accident, however, I am willing to reduce by five percent my settlement demand of $15,000. Therefore, I demand the sum of $14,250 as settlement of the claim.

Please provide me with Rocky Mountain’s response within 14 days after you receive this letter.

This sample letter is an excerpt from How to Win Your Personal Injury Claim by Attorney Joseph Matthews (Nolo). Get the book for in-depth information on handling an insurance claim, including a guide to negotiations and strategies for dealing with an insurance company that refuses to make a good offer.