Uninsured/Underinsured Motorist Claim - Sample Demand Letter

Use this sample as a template when writing your own uninsured motorist (or underinsured motorist) claim demand letter.

Updated by , J.D. · University of San Francisco School of Law

If you're involved in a car accident with an uninsured driver, you could end up making a claim under the uninsured motorist (or underinsured motorist) provisions of your own car insurance policy. And at some point you may need to spell out your side of the situation in a demand letter sent to the insurance company.

In this article we'll cover the basics of car accident demand letters, and we'll walk you through a sample letter you can use as a model in drafting your own correspondence to your insurance company, if you're making an uninsured/underinsured motorist claim after a car accident.

(For a look at the bigger picture, get the basics on what to do if you're in an accident with an uninsured driver.)

Demand Letters In Car Insurance Claims

Any time you're making a car insurance claim, the demand letter is your chance to:

  • tell the insurance adjuster your side of the car accident story, including who was at fault for the car accident
  • illustrate the nature and extent of your injuries
  • explain how the accident and your injuries have impacted your life
  • provide documentation of all your car accident-related losses, and
  • make a demand for the specific amount of money you'd accept to settle your car accident claim.

Learn more about how demand letters work in injury cases, and get tips on writing a winning demand letter.

Now, let's look at what a demand letter might look like in the context of an uninsured motorist coverage claim.

Note: Remember that uninsured and underinsured motorist claims are brought against your own motor vehicle insurer, under the terms of your policy. You need to advise your insurer that you may be making this kind of claim as soon as you possible (shortly after you find out the other driver has no car insurance, for example).

What Happens After I Send a Car Insurance Demand Letter?

After you send your demand letter to the car insurance company, a number of things might happen. You might get a quick response rejecting your demand, you may find yourself waiting a long time for any response at all, or (most likely) the insurance company could reply to your demand letter with a settlement offer.

Just be aware that if you do get a settlement offer, it almost certainly won't reflect the true value of your uninsured/underinsured motorist claim, and it's also unlikely to be the final offer you'll get.

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Dealing with your own car insurance company is usually a lot easier than working with the other driver's. But if you've sent a demand letter under your own uninsured or underinsured motorist coverage, and the insurance company isn't responding with a fair settlement offer—or they just don't seem to be taking your claim seriously—it might make sense to discuss your situation with an experienced legal professional. Learn more about how a lawyer can help with your car accident case, and get tips on finding the right injury lawyer.

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