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In what cases do I need to send a letter to my auto insurance company?

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Things to Remember...
  • A car accident is an example of a reason you would need to write a letter to your auto insurance company
  • Once the representative gathers some basic information such as the date and location of the accident, you will be assigned a claim number
  • The adjuster will gather all relevant information related to the accident from both you and the other driver involved so that you can write a letter to your insurance company about a settlement to avoid court
  • If your claim is denied, you can appeal the decision. Be sure, however, that you are justified in appealing the denial of the claim
  • Although your company may allow you to cancel over the phone, it’s always a good idea to put it in writing


There are situations in which it’s necessary to write a letter to your auto insurance representative. For example, when you are involved in an automobile accident, you should contact your insurance company immediately.

Once the representative gathers some basic information such as the date and location of the accident, you will be assigned a claim number.

To avoid trouble with auto insurance companies during claims, enter your ZIP code into our car insurance comparison tool to find FREE quotes from reliable companies.

This is the beginning of the claims process and depending on the situation may involve writing more than one type of letter to the company. Both types of letters are described in detail below.

The two main types of letter involved in the claims process are the demand letter and the appeal letter; the latter only applies if you’re dealing with denied claims from an auto insurance company.

Writing a Demand Letter

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Shortly after you file a claim to get an auto insurance check, you will be assigned a claims adjuster to handle your case.

The adjuster will gather all relevant information related to the accident from both you and the other driver involved. At this point, you should write a demand letter.

The purpose of this letter is to request a settlement amount that you believe you should receive based on the facts of the case. Always try to reach a settlement before taking auto insurance companies to court.

The demand letter should include the following information:

  • Provide the facts including the claim number, the date and time of the accident, location, and the details of the actual accident including who was at fault. You may provide your side of the story; however, you should include the police report, witness statements if available and photos. The police and the insurance company will decide who is at fault.
  • List all costs related to the accident including property damage and medical bills. This should also include loss of income and the cost for transport to and from medical treatment centers. Include all property damage estimates, names of physicians and medical centers where treatment was received and receipts.
  • Demand a settlement amount. Ask for more than what the claim is actually worth in order to have room to negotiate.
  • Sign the letter and provide your contact information.

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Writing an Appeal Letter

If your claim is denied, you can appeal the decision. Be sure, however, that you are justified in appealing the denial of the claim.

Insurance companies can make mistakes; on the other hand, they may have had a legitimate reason for denying your claim. An appeal letter should include the following:

  • Give the claim number and the reason your claim should not have been denied. Be specific.
  • If they denied your claim because you do not have enough coverage which you actually do have, point out their mistake.
  • Enclose proper documentation such as a copy of your insurance policy which will prove you have the appropriate coverage.
  • Sign the letter and provide your contact information.

Writing a Cancellation Letter

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You may wish to cancel your auto insurance policy for a variety of reasons. You may not be satisfied with the service or you may want a lower rate. The procedure is relatively simple.

Although your company may allow you to cancel over the phone, it’s always a good idea to put it in writing. A cancellation letter should include the following:

  • Give your policy number.
  • Include the date you want the cancellation to be effective. Be sure you have a new policy in effect on that date to prevent any lapse in coverage.
  • Provide the reason you are canceling your policy. This is only necessary if you have paid off your car loan and no longer need collision insurance.
  • Ask for a confirmation of the cancellation and give a time period for receiving it such as 30 days from the date of your letter.
  • Sign the letter and provide your contact information.

These types of letters should be sent certified mail with returned receipt requested.

Writing these types of letters is not difficult but requires you to be organized and have all pertinent information available as well as copies of all applicable documentation.

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