Truck Accident Demand Letter Template

Date: [Date]

Sent Via: ☐ Email ☐ Certified mail ☐ Online portal ☐ Other: [Method]
Claim Number (If Known): [Claim #]
Policy Number (If Known): [Policy #]

To (Insurance Company / Claims Adjuster):
[Insurance Company Name]
Attn: [Adjuster Name / Claims Department]
[Address]
[Email/Phone]

Additional Recipient (Optional):
[Trucking Company Name]
Attn: [Safety/Claims Contact]
[Address]
[Email/Phone]

From (Claimant): [Your Full Name]
Address: [Your Address]
Phone/Email: [Phone] / [Email]

Re: Demand for Settlement — Truck Accident on [Accident Date] at [Location]

Dear [Adjuster Name or “Claims Department”],

1. Purpose of This Letter

1.1 I am submitting this demand for settlement for injuries and losses caused by the truck accident on [Accident Date] involving [Truck Driver Name] and [Trucking Company Name].

2. Accident Summary

2.1 Date/Time: [Date/Time]
2.2 Location: [Street/City/State]
2.3 Vehicles Involved:

• My vehicle: [Year/Make/Model]

• Commercial vehicle: [Year/Make/Model / Tractor-trailer], plate/unit #: [__] (if known)

2.4 What Happened (Brief Timeline):

• [1–3 sentences describing the sequence of events]

• [Road/weather/traffic conditions if relevant]

• [Any immediate aftermath: towing, ambulance, etc.]

3. Liability (Why the Truck/Company Is Responsible)

3.1 Based on the facts and available evidence, the truck driver and/or trucking company is responsible because:

• [Example: unsafe lane change / following too closely / failure to yield / speeding]

• [Example: distracted driving / failure to maintain control]

• [Example: violation of traffic signal/sign]

3.2 Supporting evidence includes (attach as available):

• Police report: [Agency + report #]

• Photos/videos: [Description]

• Witnesses: [Names + contact info if available]

• Dashcam/nearby camera footage (if available): [Details]

• Other: [List]

4. Injuries and Medical Treatment

4.1 Injuries Reported: [List injuries in plain language].
4.2 Treatment Providers:

• [Clinic/Hospital/Doctor] — [Dates of treatment]

• [Physical therapy/chiropractic] — [Dates]

• [Other] — [Dates]

4.3 Current Status: ☐ Fully recovered ☐ Improving ☐ Ongoing symptoms (describe): [__]
4.4 Future Care (If Known): [Follow-ups, therapy, imaging, specialist referrals].

5. Damages and Losses

5.1 Medical Expenses: $[Amount] (to date).
5.2 Lost Wages / Time Off Work: $[Amount] (dates missed: [__]).
5.3 Property Damage (Vehicle): $[Amount] (estimate/repair invoice attached).
5.4 Out-of-Pocket Costs: $[Amount] (medications, transportation, etc.).
5.5 Other Losses (If Applicable): [Rental car, towing, storage, etc.].

5.6 Total Documented Economic Losses (Estimate): $[Total].

6. Settlement Demand

6.1 Considering liability, injuries, and total losses, I demand $[Demand Amount] to settle this claim in full.
6.2 This demand includes compensation for documented economic losses and the impact of the injuries (pain, disruption, and recovery), to the extent permitted.

7. Deadline and Response

7.1 Please respond in writing by [Deadline Date] (at least [10–20] business days, or as you choose).
7.2 If you need additional information, please identify it in writing before the deadline.

8. Payment and Release

8.1 If we agree on settlement, payment should be made payable to: [Name] and mailed to: [Address] (or other payment instructions: [__]).
8.2 Any release language should be provided for review before payment is issued.

9. Attachments (Optional)

9.1 ☐ Police report
9.2 ☐ Photos/videos
9.3 ☐ Witness statements/contact list
9.4 ☐ Medical bills/records summary
9.5 ☐ Wage loss verification
9.6 ☐ Repair estimates/invoices
9.7 ☐ Receipts for out-of-pocket expenses
9.8 ☐ Other: [List]

Sincerely,
[Your Full Name]

Signatures

Signature: ___________________________
Printed Name: [Your Full Name]
Date: [Date]