Do I Need a Personal Injury Lawyer NJ to Prepare a Demand Letter?

When you are injured in an accident or maybe due to any reason the injuries have occurred, there are chances that the injuries have generated out of your negligence, so this is something that you can expect easily. But, if the case is where you are injured out of negligence by some other person, then there is a serious issue or concern that shouldn’t be entertaining at all. You may have decided to file a lawsuit against the party whose action led to some serious wounds to you. If you haven’t decided to file a lawsuit yet, then there is still time left, to think and make the action possible.

Now, after the decision of lawsuit is out, there are obvious chances of you interrogating with the insurance company to seek compensation for the loss incurred to you. There are possibilities where the insurance company may not accept your claim and negotiate a settlement; this is because they have good point against you. For this matter, you have to make your case side strong and this is possible in the demand letter, your demand letter is crucial as it holds an impotent point that proves how severe your case is. After reading the demand letter the insurance company gets to know what you are going through, so here are few important tips that can assure you to have greater and stronger case, seek the help of a personal injury lawyer NJ who would frame a perfect suitable letter as per your case.

What Are The Top Things To Include In Your Demand Letter?

• The Accident Overview:

Here you can brief your insurance adjuster about when the accident occurred, as in the background overview, where it occurred, what was the reason behind the accident, how it happened, what was the time, the location, the day and so on. It can give the adjuster an idea about your accident spot and the day this happened, so they will get to know how old or fresh the accident is.

• Fault:

Here you have to prove the reason why you consider the other party to be at fault. Basically proving that the other party showed negligence, so make sure you write this, in brief, explaining every point that you feel was the purpose of the accident. Say why they are at fault, say why you were innocent too. Now the best advice one could give you is leaving this complicated job any expert because they have the best way in convincing the other person about the point of your case like a personal injury lawyer would definitely help you in framing the demand letter in a way and objectifying the fault properly.

• Loss Incurred To You:

Very important point is the amount of loss incurred to you soon after an accident. Well, this point has to be explained in brief because here you are going to prove the loss generated due to the carelessness showed by the other person. The loss should be presented in a way that makes the demand letter very convincing and the insurance adjuster feels that you have faced a serious situation for sure after the injuries.

1. Medical expenses incurred you.
   
   
2. Total health-related services you have opted for after the accident like surgeries, physiotherapy, any tests or other related things.
   
   
3. Traveling expenses that are generated in the past and will be in the future too because you are unable to travel in a public mode of transport
   
   
4. Other petty expenses.
   
   
5. Special health related food product if you are requiring to intake can be mentioned too.
   
   
6. If you are a job person and unable to attend the workplace, the amount of salary wage you have lost can be mentioned in brief with the total value.
   
   
7. Loss of love and affection from family members.
   
   
8. Reduce the amount of quality time with family, friends, less travel, less outing.
   
   
9. If you have sacrificed spending time on your hobbies like riding, sports, anything else that is restricted after the accident
   
   
10. Stress and emotional trauma that you are continuously going through after the accident maybe because it was very devastating that scares you every day.

Make sure your personal injury lawyer NJ does this for you because they have a pitch very convincing enough.

• Insurance policy

Here you can inform the adjuster of the insurance policy you consider that can apply well to your case, name the policy and also brief them about why you think the specific policy suits your situation. Remember, even if you frame a good demand letter there are points that can be counter questioned on you, and without any proof, your case will not be presentable enough. So whichever points you add in this letter must have a supporting document or evidence. You never know which point’s evidence the adjuster can ask you to provide. So if you are well prepared is good, make sure before you submit, you recheck everything.

• Demand Letter

Demand is the total amount that you are expecting from your case; it should be a lump sum amount basically that you are demanding from the insurance company. This amount is usually at the end because first, you give a little introduction, then you provide them with the loss incurred and then you demand the amount from them.

• Documents

Supporting documents are normal documents copy which you submit to the insurance company regarding your case. So they can refer and understand that what all you have stated in the demand letter actually has solid evidence. Attaching the documents that act as a backup is required and even the insurance company will ask you to provide it later if you haven’t done it in the letter. But, be alert, before you submit these documents; make sure you ask your personal injury lawyer NJ that you need to submit it or no.