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Writing a powerful personal injury demand letter can considerably increase your car accident claims. At the same time, you do not need a law degree or pay a high-priced personal injury attorney to write a strong demand letter.

Here are 5 things your demand letter should talk about…..

1. Describing the Car Accident

Your demand letter should start by explaining how the auto accident happened .

Example: On Friday July 1st, 2010 at around 5:00 PM, I was driving north on Caper Street heading east. As I drove past the intersection of Marin Street, your insurer drove in the intersection and crashed into the passenger side of my car.

Giving a thorough and vivid description of your auto accident will help target the essential points that are relevant to your personal injury claim.

Considering the core purpose of the demand letter is to persuade the insurance company to give you more money, you need to concentrate on how the other driver caused your auto accident. In order to do this, you need to produce facts and proof that clearly demonstrate the other driver was responsible for the car accident. The more information and facts you have that support your version of how the crash took place, the higher your insurance settlement.

Which facts should you really add in when writing a demand letter ? The first place you should look is…

2. Traffic Law Violations

If the other car owner violated any traffic laws (ex speeding or ran a red light), you should write them in your demand letter.

Whenever you can show that the other car owner violated any traffic laws, it’s a clear indicator of their fault. This makes the other vehicle driver more liable for the auto accident and improves your chances of getting a higher settlement.

Example: Clearly, the other car owner was at fault for the collision simply because oncoming traffic has the right of way. Your insurer should have yielded before entering into my driving lane.

Next you should include several…..

3. Auto Accident Pictures

Including pictures from the car accident site can help show how badly your car was hit by the other vehicle driver.

When you are writing a demand letter,you should use pictures to explain how the crash impacted your vehicle.

If your vehicle was so smashed that it had to be towed, include a picture of it in your demand letter. You can then mention the picture in your letter to make your damages sound more severe.

Example: Furthermore, as it can be clearly examined from the car accident pictures, your insurer slammed into the passenger side of my automobile. From the pictures of my damages, there isn’t any doubt that your insurer was going faster than the permitted speed limit of 15 mph. As a result of being hit, my car had to be towed since it was no longer drivable.

The next step you should take is….

4. Identify Witnesses

Having an eye witness from the auto accident can really strengthen your personal injury demand letter.

If you were able to locate witnesses from the auto accident scene, discuss in your letter how many witnesses support your version of how the car accident happened.

In addition, If you were able to get a statement from a witness, include the most essential part in your letter.

Example: In addition, I have written statements from four witnesses who watched your insurer not stopping at the designated stop sign.

The very last thing that you must mention in your demand letter is…

5. Auto Accident Report

The car accident report can be a really good resource for your demand letter. It contains a report on the how the accident took place as well as other helpful information. Before writing a demand letter, browse the report to see if there were any traffic violations by the other car driver that can help your auto accident claim.

Example: As it is clearly written in the accident report, your insurer told the police that he didn’t see the stop sign. As a result, he broke the traffic law and rammed into my car.

Find out how to get more money from your car insurance and personal injuries

The main disadvantage of living in a no fault state is that if you’re ever injured in a car accident, your insurance might not be enough to cover all of the medical costs. The reason is your no fault car insurance policy will only pay for your medical costs up to your policy limits. When you need more cash, you will want to start a personal injury claim.

Starting up Your Car Injury Claim

Several of these no fault state’s have some specific requirements before you can get moving your personal injury claims. As an example ,, some states will only let you file an injury claim if your injuries are thought to be “serious”. These states have what is also known as an “injury threshold”. Which means that if your specific injury really doesn’t fall within the criteria of exactly what the state accepts as “serious”, you will be unable to start up an injury claim and get back money for all your medical bills.

So What’s Considered as a “Severe” Injury?

Just about every no fault state has a slightly different meaning of what is considered as a “severe” injury. But nevertheless, there are certain kinds of injuries that generally fit in the “serious” category. For example:

Bone fractures (ex: you’ve got a cracked or chipped bone in your arm or leg )

Permanent Injuries (ex: damages to one’s neck, spine or head).

Disabling injuries: (ex: a back injury that drastically limits your movement )

Permanent disfigurement: (ex visible scars, broken nose, burn marks)

How You Can Demonstrate Your Injuries are “Severe”

In order to show that your injuries are absolutely serious, you must understand how your specific no fault state has classified a serious injury. Your no fault state usually has a description of which sorts of injuries it considers severe and serious. It’s important to go over the description for your specific state. Since each state has a slightly different interpretation of a severe injury, your injuries may very well be considered severe in one state and not in another.

When you have looked over the description, then you’re able to determine if your injuries meet those specifications. Since the descriptions are often interpreted in several ways, you should try to create an argument that will support your claim. By doing this you can start your auto insurance claim.

Whether your interpretation is valid or invalid should be a question of negotiation with the insurance company. This is exactly why it’s very important that you understand the seriousness of your injuries and how to negotiate auto accident settlements.

If your injuries have crossed the “injury threshold” you can then begin on understanding how to calculate your personal injury settlements

Find out more about car insurance claims and personal injuries

Lots of people think that a no fault car insurance policy covers all of their injury damages, no matter who was responsible for their accident. However, this is not true. A no fault auto insurance policy is only to pay for your injuries to a max of your policy limit. As a result you may be required to pay off the remaining cost through your own pocket. With the expensive cost of medical treatments, this can be a costly problem for most people.

Fortunately, every no fault state allows the vehicle driver to be paid back for their injuries by starting an auto insurance claim.

At the same time, before beginning your insurance claim, you will have to first meet your state’s requirements.

Requirements to Start Out Car insurance Claims in No-Fault States

Almost every no fault state has slightly different requirements to get started on an accident injury claim. Some states will have a “cash threshold”. In other words for you to begin a claim, the price of treating your injuries must go over a certain cash amount.

Other no fault states have an “injury threshold”. This means that you could start a personal injury claim given that your injuries are “serious”. Each individual no fault state has a slightly different specification of what it considers a “truly serious” injury.

A lot of different states have both an injury and cash threshold. Which indicates that if you surpass one threshold, either the cash or injury, you could start your personal injury claim.

Example

Massachusetts is a no fault state that has both a cash and injury threshold. The cash threshold for Massachusetts is $500. It means that in order for you to file an insurance claim, your complete medical fees would have to be greater than $500. Or else you will likely need to pay for the charges from your very own own pocket.

To figure out if you’ve gone over your state’s cash threshold, you should total all your medical costs following your vehicle accident. For instance:

*Ambulance Charges *Hospital Costs *Clinic Bill *Doctor’s Visit Lab and Testing costs *Physical therapy

Since Massachusetts also has an injury threshold, it’s best to learn what the state considers a “severe injury”. Most no fault state’s look at the following injuries as being “serious”:

*Injuries which can be long-lasting or result in serious disfigurement *Fractured bones *Injuries that cause considerable loss of hearing or eye sight

If your injuries fall in your state’s “severe” category, you’ll be able to start your auto insurance claim to receive your personal injury settlements.

Learn more about insurance claims and getting money for injuries

A no fault car insurance policy will pay for your automobile accident losses, regardless if you are not at fault for the accident. Nevertheless, I have found 3 main downsides of having a no fault insurance policy.

The first draw back is that…

1. You Still Have to Cover Car Damages

Despite what people think, a no fault insurance policy doesn’t really pay off all of your damages. If you were in a accident, you might still have to pay for your vehicle repair.

It’s because the policy only covers your injury bills and lost working revenue. If you’d like cash for your auto damages, you are going to follow the same exact basic steps as somebody who lives in a fault state.

This would mean you need to start up a auto accident claim against the other vehicle driver’s liability auto insurance or receive money from your own car collision coverage.

The issue with this is that getting money for your auto repair are usually unclear and stressful. A lot of people don’t realize exactly how claims process works. They make quite a bit of simple mistakes that finish up costing them a ton of money. Most people do not understand that the insurance company works hard to give them the smallest settlement possible because, they are after all, a business looking for high profits.

Due to this fact, many drivers have complained about getting modest settlement checks that do not properly cover their repair fees.

You can avoid the frustration of starting an auto accident claim against another vehicle owner by getting compensation from your own collision coverage. Nonetheless, in this scenario you will have to pay your auto insurance deductible, which is generally almost $500 per auto accident claim.

The next problem with a no fault car insurance policy is that it….

2. Does Not Pay All Your Medical Costs

If you are injured in a car crash, your no fault car insurance policy is only to settle your medical bills up to your insurance policy limits.

If your medical expenses are more than your policy limits, you’ll have to start an auto accident claim with the other driver’s auto insurance company.

Additionally, before you can get going with your insurance claim, you must exceed your no fault state’s minimum cash threshold. This cash threshold is the minimum amount your medical charges must be before you can file a car accident claim against another vehicle driver.

Almost every no fault state has a different cash threshold. So before you even start seriously considering filing an auto insurance claim, you will have to check if your total medical fees fulfill your state’s threshold requirements. Or else you will likely need to pay for your costs from your very own own pocket, which sometimes can easily set you back a lot of money.

The very last problem with owning a no fault auto insurance policy is that….

3. You Do Not Get Money for Pain and Suffering

Having a no fault policy prevents you from being paid out for your pain and suffering as a consequence of automobile accident.

This is a big problem with this insurance policy because in practically all personal injury settlements, the biggest amount of your cash settlement is a result of your pain and suffering.

In case you’re significantly injured and want more money, you’ll need to surpass your state’s “injury threshold”. This injury threshold is basically the state considering your injuries and concluding if they are severe enough to start a personal injury claim.

As you can tell, the question of “serious” vs “non serious” injuries is often very subjective. If your state believes your injuries aren’t significant, then you will be unable to be payed for your injuries.

That’s why its important you be familiar with your no fault state’s requirements and the way to calculate your personal injury settlements.

Read more about insurance claims and injury settlements