Example simple demand letter for auto accident personal injury matter


September 10, 2009

State Farm Insurance

Attn: Helpful Adjuster

Auto Claims Central

P.O. Box 20707

Murfreesboro, TN  37129


RE: Our Client:                  Really Hurts

Your Insured:              Really Negligent

Date of Loss:              01/01/2000

Claim No.:                   9999999

Dear Mr. Adjuster:

As you are aware, this firm has been retained by Really Hurt regarding the injuries she sustained in the above-referenced accident. We offer this letter as an explanation of our client’s injuries with the hope that we may reach an amicable and early settlement of this case. It is our desire to avoid the cost and time consuming nature of filing a formal complaint with the court. We therefore ask for your help in reaching a quick and amicable settlement.


The accident occurred on January 1, 2000, at the intersection of Beale Street and Front Street in Memphis, Tennessee. Ms. Hurt was the driver of her 2000 Mercedes.  She was at the stop sign at the intersection of Beale Street and Front Street when suddenly, and without warning, Ms. Negligent violently rammed her vehicle from the rear. Ms. Negligent’s reasoning for ramming Ms. Hurt was simply that she “wasn’t paying attention.”

The impact was substantial enough that it caused Ms. Hurt’s vehicle to be catapulted into the intersection. Ms. Hurt’s head struck the headrest, causing her two front teeth to be loosened.  It is estimated that Ms. Negligent’s vehicle may have been traveling as fast as thirty-five miles per hour when she unexpectedly, unlawfully and violently struck Ms. Hurt from the rear.

Ms. Hurt is a 67 year old woman who has spent her life helping others and working to improve her life. She has been employed continuously for the past thirty years by the Lending Hands Hospice. And prior to being hit from behind in the above mentioned accident she enjoyed her days as a nurse.


Following the accident Ms. Hurt sought attention at Baptist Memorial Hospital East and complained of pain in several different areas of her body, including injuries to her head, neck, shoulders, and back. A series of X-rays thankfully showed no severely traumatic injuries or serious internal injuries, and Ms. Hurt was released home and prescribed Lortab, Robaxin and Naproxen to deal with swelling and pain. Ms. Hurt was also instructed to follow up with Dr. Help Meout for physical therapy and continued monitoring.

Due to the severity of the impact, Ms. Hurt suffered from increasing pain in her neck, left shoulder, and upper back.  At this point Ms. Hurt became concerned because she had shown no noticeable improvement in her condition and sought additional treatment and therapy with Dr. Help Meout, which has lasted over three months and is ongoing. Ms. Hurt was diagnosed by Dr. Help Meout as suffering from acute trauma, acute and chronic cervical spine strain, muscle and neck spasms, limited shoulder mobility, and muscle tension headaches.  Further testing and an MRI conducted by Dr. Help Meout documented supraspinatus and infraspinatus tendinopathy of her rotator cuff tendon and shoulder.

Because of the limited range of motion, pain, stiffness and swelling Ms. Hurt missed considerable time at work.  She has continued to take medication to assist with pain and range of motion and will most likely be required to continue with medication indefinitely in order to deal with her ongoing and non-relenting pain. And because of this continued pain she faces the potential of injection and/or arthroscopic intervention for her shoulder in the future.

Since the accident and resulting injuries, Ms. Hurt has been extremely limited in her activities. She has lost twenty-four (24) days of work on the advice of her physicians. At the time of her accident, Ms. Hurt was employed with the Helping Hearts Hospice. Ms. Hurt’s duties as a nurse were such that it was necessary to be on her feet for extended periods of time while helping patients. Since her accident she has been changed to a clerk position rather than as a nurse, due to her limited mobility. She was earning approximately $1,125 per week. We enclose herewith copies of her pay stubs for the applicable pay periods.

Accordingly, the following is a tabulation of Ms. Hurt’ losses:

Really Hurt – Medical Specials and Lost Wages

●          Medical Visits & Co-pays                                           $ 8,697.01

●          Lost Wages                                                                  $ 4,809.10

(12 weeks  – Corporate Management and Associates)

TOTAL                                                                                                $ 13,506.11


It is undisputed that Ms. Negligent’s gross negligence and/or recklessness was the sole and proximate cause of the injuries suffered by Ms. Hurt.  In fact Ms. Negligent was cited by the Memphis Police for failure to maintain a safe lookout. This negligence caused Ms. Hurt to amass significant medical bills and numerous serious injuries which have caused pain, suffering, reduced mobility, and lost wages.  Despite the fact that Ms. Negligent was insured at the time of this accident, her grossly negligent and/or reckless driving which caused the accident are especially egregious under the circumstances.  It is probable that a Memphis jury would agree that Ms. Negligent’s driving was grossly negligent and/or reckless and therefore assess significant damages.  With that in mind, it would seem that State Farm would have a desire to settle this matter before litigation is necessary.


On behalf of our client, based on the above, we thereby demand the sum of $122,073.32, or policy limits, in full settlement of the claims set forth above. These amounts take into consideration all past, present, and future medical bills; lost wages; and pain and suffering.  It should be noted that Ms. Hurt still experiences headaches, soreness and reduced mobility in the affected areas and total recovery may never occur. In fact invasive surgical procedures might be needed to correct damage that occurred to Ms. Hurt’ shoulder.  The amount of the damages, coupled with Ms. Negligent’s grossly negligent and/or reckless driving, and complete indifference to the condition of the occupants of his vehicle, would seem to dictate a quick and complete settlement.

As you are aware, time is of the essence in this matter and if an amicable settlement cannot be reached before the statute of limitations expires on January 1, 2001 formal action with the court will be taken. However, we would prefer to settle this case without the necessity for further legal actions.

Please call me with any questions or concerns. I look forward to working with you.

Yours very truly,

Jami K. Ferrell




  1. Aw, this is an extremely wonderful article. Taking a few minutes and also genuine work at
    create a excellent write-up… but what may I state…
    I procrastinate a large number and do not manage to
    see nearly things finished.

  2. Paragraph writing is also a fun, if you be familiar with afterward you can write otherwise it is complex to write.|

  3. Now i’m trying to make use of software to erase the data on my old computer before giving it. The mouse is definitely not working on the pc. I’ve tried another mouse on the computer and it still will not function. I need to reboot my pc in order to start the disk wiper. Is there a way of rebooting my computer without a mouse? Thanks so much!.

  4. I know this if off topic but I’m looking into starting my own weblog and was curious what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100 positive. Any suggestions or advice would be greatly appreciated. Thank you|

  5. Sweet blog! I found it while surfing around on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Cheers|

  6. I like this web site a lot for it has lots of fantastic

  7. Woah I enjoy your posts, saved! My spouse and i loved your posts.

  8. Incredible, amazing blog structure! Just how long have you been writing a blog
    for? you made operating a blog look easy. The total
    look of your website is fantastic, not to mention the content material!

  9. It’s best for you personally to earn some tactics for the future and
    it is time for you to feel happy. I have read through this article of
    course, if I could I want to indicates your few interesting strategies or suggestions.
    Perhaps you may write after that reports making reference to this information. we aspire
    to review a lot more aspects of it!

  10. The moment I found this web site I proceeded to reddit to share it to other people.

  11. Hi! Amazing post! Please do tell us when I will see a a different remarkable post!

  12. Now i’m planning to produce my own blog page, and a question comes up to my mind..

  13. Short Term Loans

  14. Several individuals will be benefiting from your writing as they’re excellent.
    Many thanks!

  15. How can I search blog posts from during the olympics?

  16. You’ll be able to try this kind of scanner, is
    extremely great together with fastYM Scanning equipment None of all these types of do inside of kind
    twelve. 0. 0. 1102-you. Not really a single
    one, these folks simply work with this variants. You guys that happen to be giving trash
    email your present websites, your imagine you can look
    to resolve this particular specific?

  17. Exactly where can I have a creative writing class in Chicago this summer?

  18. Bookmarked your wonderful website. Fantastic work, unique way with words!

  19. I think this is among the most important info for me.
    And i’m pleased reading your post. However want to remark on some basic things,
    the web site style is perfect, the articles are really
    great. Great job, cheers.

  20. These aree genunely great ideas in on the topic
    of blogging. You havve touched sme nice points here.
    Anny way keep up wrinting.

  21. Cambogia Natural Studies…

  22. Funciones: Asesorar a los clientes en cuanto a caracteristicas, precios, productos y servicios complementarios, entre otros de los productos ofrecidos en el almacen. Importante Contact Center requiere personas con experiencia desde(6) meses en soporte de ADSL, Técnico Redes de internet, Técnico instalador de líneas telefónicas básicas, reparación y verificación de líneas, Programación de los diferentes tipos de módems afines. Se solicita personas interesadas en desempeñarse como asesores de Atención al Cliente por Call Center en una linea de servicio.

  23. It really is nearly impossible to acquire seasoned group in this subject,
    but, you appear to be you are aware what you’re referring
    to! Thank You

  24. Very good info. Lucky me I found your blog by chance (stumbleupon).
    I have book-marked it for later!

  25. You will want to be a part of the competition for example of the greatest
    blogs on the internet. I’ll endorse this website!

  26. You really make it seem so easy with your presentation but
    I find this topic to be actually something that I think I would never understand.
    It seems too complex and very broad for me.
    I am looking forward for your next post, I’ll try to get the hang of it!

  27. whoah this web site is great I adore learning your articles.
    Continue the fantastic jobs! Your know, many people tends to be
    shopping available for these details, you could potentially enable them to considerably.

  28. ÿþ<

Speak Your Mind