Personal injury claims arise when someone is injured or harmed due to another individual or entity’s negligence or wrongful conduct. 

If you have been injured in an accident, you may be entitled to compensation for your injuries, medical expenses, lost wages, and other damages. One of the key steps in pursuing a personal injury claim is to send a settlement demand letter to the at-fault party or their insurance company. 

This article will discuss what goes into a personal injury settlement demand and how to maximize your chances of receiving a fair settlement.

Understanding Personal Injury Settlements

A personal injury settlement is an agreement between the injured party (the plaintiff) and the at-fault party (the defendant) or their insurance company to resolve a legal claim.

You can reach a settlement at any time during the legal process, from before a lawsuit is filed to after a trial has started. In most cases, settlements are preferred over going to trial because they are generally quicker, less expensive, and less risky.

Elements of a Settlement Demand

A settlement demand is a written document that outlines your claim and requests a specific amount of money to settle the claim. A well-crafted personal injury demand letter can be a powerful tool in negotiating a settlement because it clearly and persuasively presents your case and the damages you have suffered. 

Here are the key elements that you should include in a settlement demand.


In the liability section of your settlement demand, you should clearly explain why the other party was at fault for the accident or incident that caused your injuries. Provide a detailed description of the events that led up to the accident, including any actions or inactions on the part of the other party that contributed to the accident. 

Use evidence such as witness statements, police reports, or photographs to support your argument. Be sure to address any potential arguments the other party might make to avoid liability and explain why they are invalid.


The damages section of your settlement demand is where you will detail the harm or losses you suffered as a result of the accident or incident. This can include both economic and non-economic damages. Economic damages such as medical bills, lost wages, and property damage can be easily calculated. 

Non-economic damages are more subjective and can be more difficult to quantify, such as pain and suffering, emotional distress, and loss of enjoyment of life. It is important to provide a detailed breakdown of all the damages you claim and how you arrived at them. Use evidence such as medical bills, receipts, and expert testimony to support your claim.

Demand Amount

The demand amount is the total amount you request to settle your claim. It is important to be reasonable when calculating your demand amount. Consider all the damages you have suffered, the strength of your evidence, and the likelihood of winning at trial. 

Be sure to explain how you arrived at your demand amount and why it is a fair and reasonable request. Remember that the other party is unlikely to agree to your demand amount immediately, so negotiating may be necessary to reach a final settlement.


Including a deadline in your settlement demand puts pressure on the other party to respond and negotiate in good faith. It is important to give the other party a reasonable amount of time to respond to your demand and set a firm deadline to keep the negotiation process moving forward. Be sure to clearly communicate the deadline in your demand letter and follow up with the other party if they do not respond.


The conclusion of your settlement demand should summarize your case and reiterate your demand for a specific amount of money to settle your claim. It is important to be clear, assertive, professional, and respectful in your conclusion. 

Avoid making threats or personal attacks, but make it clear that you are prepared to take legal action. End the letter by thanking the other party for their time and providing your contact information.

By including these elements in your settlement demand, you can increase your chances of reaching a favorable settlement.

Tips for Writing a Strong Settlement Demand

To maximize your chances of receiving a fair personal injury settlement, writing a strong and persuasive settlement demand is important. Here are some tips to keep in mind.

Be Clear and Concise

Your demand letter should be easy to read and understand. Use simple language and avoid legal jargon or complex terminology.

Provide Evidence

To support your claim, provide as much evidence as possible, including witness statements, police reports, medical records, and photographs.

Be Reasonable

Your demand amount should be reasonable based on the damages you have suffered and any other relevant factors. Don’t ask for an unreasonable amount likely to be rejected outright.

Be Professional

While it is important to be assertive and confident in your demand letter, it is also important to be professional and respectful. Avoid using inflammatory language or making personal attacks.

Hire a Personal Injury Lawyer

If you are not confident in your ability to write a strong settlement demand or negotiate a settlement, hiring a personal injury lawyer is highly recommended. 

An experienced lawyer can help you:

  • Navigate the legal process
  • Gather evidence
  • Calculate damages, and
  • Write a persuasive demand letter on your behalf

They can also handle negotiations with the other party or their insurance company and, if necessary, take your case to court.

Are you ready to demand what you’re worth? Contact our team at today.


Justice McDaniel is an experienced copywriter and blogger. She has over three years of experience providing outstanding legal content that ranks.