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Truck Accident Demand Letter Template – New York
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Truck Accident Demand Letter Template
Date: [Date]
Sent Via: ☐ Email ☐ Certified Mail ☐ Online Portal ☐ Other: [Method]
Claim Number: [Claim # (if known)]
To (Insurance Company / Claims Adjuster):
[Insurance Company Name]
Attn: [Adjuster Name / Claims Department]
[Address]
[Email/Phone]
cc (Optional): [Trucking Company Name] — Attn: [Safety/Claims Contact] — [Email/Phone]
From: [Your Full Name] — [Phone] — [Email]
Mailing Address: [Your Address]
Re: Settlement Demand — Truck Accident on [Accident Date] at [Location]
Dear [Adjuster Name or "Claims Department"],
1. Accident Summary (5W1H)
1.1 Who: [Truck Driver Name] and [Trucking Company Name] and [Other].
1.2 What: [Collision type] involving my vehicle and a commercial truck.
1.3 Where: [Street/City/State] at/near [Intersection/Landmark].
1.4 When: [Accident Date/Time].
1.5 Why: [Unsafe maneuver/Failure to yield/Other].
1.6 How: [Short sequence of events in 1–3 sentences].
1.7 Vehicles: My vehicle: [Year/Make/Model]; Commercial vehicle: [Year/Make/Model] unit/plate: [__].
2. Injuries and Treatment
2.1 Injuries Reported: [List injuries in plain language].
2.2 Initial Care: [ER/Urgent care] — [Date(s)].
2.3 Follow-Up Care: [PT/Chiropractic/Primary care/Specialist] — [Date range].
2.4 Current Status: ☐ Fully recovered ☐ Improving ☐ Ongoing symptoms: [__].
2.5 Future Care (if known): [Follow-ups/therapy/imaging/referrals].
3. Losses and Supporting Totals
3.1 Medical Expenses: $[Amount] (to date).
3.2 Wage Loss / Time Off Work: $[Amount] (dates missed: [__]).
3.3 Property Damage: $[Amount] (estimate/invoice reference: [__]).
3.4 Out-of-Pocket Costs: $[Amount] (receipt reference: [__]).
3.5 Total Documented Economic Losses (Estimate): $[Total].
4. Liability Position
4.1 Liability Summary: [Why the truck driver and/or trucking company is responsible].
4.2 Evidence Referenced: [Police report ID] and [Photos/Video IDs] and [Witness information] and [Other].
5. Settlement Demand
5.1 Demand Amount: $[Demand Amount] to resolve this claim.
5.2 Demand Includes: [Economic losses] and [pain/disruption/recovery impact].
5.3 Settlement Scope: [Bodily injury and property damage] and [other].
6. Response Instructions and Enclosures
6.1 Written Response Deadline: [Deadline Date (allow 10–20 business days)].
6.2 If Additional Information Is Needed: [Identify specific items requested in writing before the deadline].
6.3 Payment Instructions: Payable to [Name(s)] and mailed to [Address] or other instructions: [__].
6.4 Release for Review: [Release language requested before payment].
6.5 Attachments: ☐ Police report ☐ Photos/videos ☐ Witness statements/contact list ☐ Medical bills/records summary ☐ Wage verification ☐ Repair estimate/invoice ☐ Receipts ☐ Other: [List].
7. Witness Matrix (Name - Role - Contact - What Seen - Media)
Witness Name | Role | Phone/Email | What the Witness Observed | Photo/Video Available |
[Name] | [Bystander/Passenger/Other] | [Contact] | [Observation] | [Yes/No/Unknown] |
[Name] | [Bystander/Passenger/Other] | [Contact] | [Observation] | [Yes/No/Unknown] |
8. Vehicle/Traffic Addendum
8.1 Commercial Vehicle Identifiers: [Tractor-trailer/Box truck/Other] and [Unit #] and [Plate] and [Company markings].
8.2 Police/Incident Identifier: [Agency] and [Report #].
8.3 Collision Diagram Reference: [Attachment ID/Sketch description].
9. Environment and Conditions
9.1 Roadway and Visibility: [Lighting] and [lane markings] and [construction/obstructions].
9.2 Weather and Surface: [Weather] and [surface condition].
9.3 Traffic Conditions: [Light/Moderate/Heavy] and [stopped/flowing].
Sincerely,
[Your Full Name]
Signature: ___________________________
Printed Name: [Your Full Name]
Date: [Date]
Point of Contact for Responses: [Name/Email/Phone]
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Truck Accident Demand Letter Template – New York
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For quick answers, scroll below to see the FAQ.
Click below for detailed info on the template.
For quick answers, scroll below to see the FAQ.
New York Truck Accident Demand Letter Template FAQ
Do I send the demand letter to the insurer, the trucking company, or both?
In most situations, the demand is directed to the insurer or claims adjuster who is handling evaluation and payment. It can also be copied to the trucking company contact you have, especially if you are unsure which insurer has the file. The most important point is that the recipient can identify the loss quickly, so include the accident date, location, parties involved, and any unit or plate information you have. If you use multiple recipients, keep the content consistent and track delivery so you can show when each party received the package.
What details matter most in the accident summary section?
Accident summaries are easier to evaluate when they answer who, what, where, when, why, and how without extra commentary. Identifying lanes, direction of travel, traffic controls, and the sequence of impacts can help the reader understand the mechanics of the crash. If conditions mattered, include them briefly. If they did not, you can state that conditions were normal. The goal is to give a clear picture that matches the evidence you list, such as the crash report, photos, diagrams, or witness statements. Clarity here makes the liability section easier to accept.
How should I describe medical treatment if there were multiple providers?
When care involves multiple providers, a short provider list with dates is often the most readable approach. You can then summarize the course of treatment in one narrative paragraph that explains what changed over time, such as initial evaluation, imaging, therapy, and follow-up. If you have ongoing symptoms, describe them in plain language and connect them to functional limits. Avoid medical conclusions you cannot support; instead, cite what the records show and what the next planned appointment is. A clean treatment timeline reduces confusion and helps the adjuster match bills to visits.
What if the insurer asks for more information after I send the demand?
It is common for insurers to request additional records or clarifications after receiving a demand. A good approach is to ask the insurer to identify specific missing items in writing and to confirm whether the deadline is being extended for that request. If you provide additional material, label it as supplemental and reference the original demand date so the file stays organized. Keeping a simple communications log helps track what was requested and when you responded. The goal is to avoid the claim stalling due to vague requests or repeated requests for items you already sent.
Should my demand amount equal my documented bills and receipts?
Demand amounts are often higher than documented out-of-pocket losses because they may also reflect disruption, pain, and time spent recovering. The key is to present the documented numbers clearly and then explain, in a restrained way, why the overall demand is larger. If you are still treating, note that the demand is based on current information and identify expected follow-up care. Avoid presenting the demand as arbitrary; show how the injuries affected daily life and work. A grounded explanation is more persuasive than a large number with no supporting narrative.
How do I reduce the chance that my letter is misunderstood or taken out of context?
Use plain, factual language, avoid speculation about what someone “must have been thinking,” and keep the narrative consistent with the evidence you attach. If you make a statement about fault, connect it to a specific fact such as lane position, right-of-way, or the report narrative. Be careful with absolutes and avoid exaggeration. Clear section headings can also help the reader find key points quickly. If you include attachments, label them so the adjuster can locate them without guessing. A well-labeled package is harder to misread.
If I have witnesses, what should I include about them in the demand letter?
If you have witness information, include each witness’s name, role, contact details if available, and a short description of what the witness observed. If you have a written statement, reference it as an attachment and label it consistently. If you do not have a statement yet, you can still note that the witness exists and describe the expected topic, such as the truck’s lane change or braking pattern. Keeping witness details organized helps the insurer confirm the story quickly. It also signals that the claim is supported beyond the parties’ own accounts.
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