A “Sample Letter To Sue Liability Insurance Commercial Building Auto Accident” is a formal notice. It tells an insurance company you plan to sue. This happens when they don’t offer a fair settlement after an accident. You might need this letter after a car crash or injury on commercial property.
We know writing legal letters is hard. That’s why we’re here to help. We’ll share templates and examples in this article.
These samples will make writing your letter easier. You can adapt them to fit your specific situation. Let’s get started and make the process simple.
Sample Letter To Sue Liability Insurance Commercial Building Auto Accident
[Your Name/Law Firm Name]
[Your Address]
[City, State, Zip Code]
[Date]
[Insurance Company Name]
[Insurance Company Address]
[City, State, Zip Code]
**Subject: Demand for Settlement – Claim of [Claimant Name] for Injuries Sustained in Auto Accident at [Building Address] on [Date of Accident]**
Dear Sir/Madam,
This letter concerns the auto accident that occurred on [Date of Accident] at [Building Address], resulting in serious injuries to our client, [Claimant Name]. The accident was a direct result of [Driver’s Name]’s negligence while operating a vehicle on the property of [Building Name].
[Driver’s Name] was [briefly describe negligent action, e.g., speeding, failing to yield]. This negligence caused a collision with [Claimant Name]’s vehicle, resulting in significant damages and injuries.
As a result of this incident, [Claimant Name] has incurred substantial medical expenses, lost wages, and experienced significant pain and suffering. We have enclosed copies of the following documents to support our claim:
* Police Report
* Medical Records and Bills
* Wage Loss Documentation
* Photographs of Vehicle Damage
We believe that [Building Name] bears responsibility for this accident due to [explain the building’s liability, e.g., negligent maintenance of the property, inadequate signage]. As such, we are making a demand for settlement in the amount of [Dollar Amount] to compensate [Claimant Name] for all damages incurred.
We urge you to consider this demand carefully and contact us within [Number] days to discuss settlement negotiations. If we do not receive a response within this timeframe, we will be forced to pursue all available legal remedies to protect our client’s interests.
Sincerely,
[Your Name/Law Firm Name]
[Your Title]
[Your Contact Information]
How to Write Letter To Sue Liability Insurance Commercial Building Auto Accident
Subject Line: Clarity is Key
- Be forthright: “Demand for Settlement – [Your Name] – [Date of Accident] – [Claim Number (if applicable)]”
- Precision obviates confusion.
Salutation: Professional Courteousness
- Address the adjuster directly, if known: “Dear Mr./Ms. [Adjuster’s Last Name],”
- If the adjuster is unknown, use: “To Whom It May Concern:”
- Avoid overly familiar greetings.
Introduction: Setting the Stage
- State the purpose of your letter succinctly: “This letter constitutes a formal demand for settlement regarding injuries and damages I sustained on [Date of Accident] as a result of an incident occurring at [Location of Incident, e.g., commercial building address, intersection].”
- Briefly allude to the negligent party: “The incident was a direct consequence of the negligence of [Negligent Party, e.g., building owner, other driver].”
- Establish your intent to litigate if a reasonable settlement isn’t reached.
Body Paragraphs: Detailing the Pertinent Facts
- Describe the incident with perspicacity:
- “On [Date], I was [Walking/Driving/etc.] at [Location] when [Brief Description of Incident, e.g., I slipped on ice not properly maintained, I was struck by a vehicle operated by your insured].”
- Elaborate on the negligence: “The negligence consisted of [Specific Negligent Acts, e.g., failure to maintain a safe premises, running a red light].”
- Itemize your injuries and medical treatment:
- “As a direct and proximate result of this incident, I sustained the following injuries: [List Injuries, e.g., whiplash, broken leg, concussion].”
- “I have incurred medical expenses totaling [Dollar Amount] to date, encompassing [Types of Treatment, e.g., physical therapy, hospital stay, doctor visits].”
- Quantify your damages beyond medical bills:
- “In addition to medical expenses, I have suffered lost wages amounting to [Dollar Amount] due to my inability to work. I anticipate future medical expenses of approximately [Dollar Amount].”
- Pain and suffering should be addressed: “The pain and suffering I have endured as a result of these injuries has significantly impacted my quality of life.”
Demand for Settlement: The Ultimatum
- State your settlement demand clearly and reasonably: “Therefore, I demand the sum of [Dollar Amount] to resolve my claim for personal injuries and damages.”
- Justify the demand figure, referencing specific damages.
- A reasonable demand reflects the totality of losses.
Providing Documentation: Substantiating Your Claim
- Itemize the enclosed documentation: “Enclosed for your perusal are the following documents:”
- “[Police Report (if applicable)]”
- “[Medical Records]”
- “[Photos of the Scene/Damage]”
- “[Wage Loss Verification]”
- Ensure all documents are organized and easily accessible.
- Withholding crucial documents obfuscates your claim.
Closing: Setting a Deadline and Tone
- Establish a firm deadline for response: “Please be advised that this offer of settlement is open for [Number] days, expiring on [Date].”
- State your intent to pursue litigation if a settlement is not reached: “If I do not receive a good-faith response within this timeframe, I will be compelled to initiate litigation to protect my interests.”
- End with a professional closure: “Sincerely,”
- “[Your Signature]”
- “[Your Typed Name]”
- “[Your Contact Information]”
Frequently Asked Questions: Sample Letter To Sue Liability Insurance Commercial Building Auto Accident
Navigating the process of drafting a demand letter to an insurance company after a commercial building or auto accident can be complex. This FAQ section addresses common inquiries regarding sample letters and the legal process.
What is the purpose of a sample letter to sue liability insurance?
A sample letter serves as a template for formally notifying the insurance company of your intent to pursue legal action if a fair settlement is not reached regarding damages incurred from an accident.
What key information should be included in the letter?
The letter must clearly state the date and location of the incident, a detailed description of the damages sustained, the policy number, the demand amount for compensation, and a deadline for response.
When should I send a demand letter to the insurance company?
A demand letter should be sent after you have gathered sufficient evidence to support your claim, including police reports, medical records, repair estimates, and any other relevant documentation.
What if the insurance company does not respond to the demand letter?
If the insurance company fails to respond or offers an unsatisfactory settlement, you should consult with an attorney to discuss filing a lawsuit to protect your legal rights.
Is it necessary to hire an attorney to draft the demand letter?
While not strictly required, consulting with an attorney is highly recommended to ensure the letter accurately reflects the legal basis of your claim and maximizes your chances of a favorable outcome.