The demand letter is where your claim speaks — liability, itemized damages, the multiplier reasoning, and a number with a deadline. Build the full draft below on your own device: no email gate, no "we'll send it to you," and your personal details stay as placeholders you fill in privately.
Reviewed August 24, 2026 · methodology · changelogAdjusters price files, not prose. A demand whose every number has a document behind it — records, bills, wage verification, photos, the report — forces engagement; a demand with gaps produces a document request and six weeks of drift. Assemble first, send once, complete.
The builder writes your multiplier reasoning into the letter — economic damages, the band, the supported evaluation — because a number with visible math is harder to dismiss than a number alone (the anchoring logic explained). The 30-day response deadline matters equally: undated demands drift, and your follow-ups should reference it. When the counter arrives, grade it with offer check and respond in writing with the implied multiplier.
A demand letter is leverage, not magic. If a documented claim draws only below-band responses through several written rounds — or if fault is seriously disputed, the injuries are severe, or a filing deadline is approaching — that's the point where a contingency attorney's leverage typically earns the fee. Sending the demand yourself first costs nothing and often reveals which case you have.
Five parts, in order: the claim identifiers (claim number, insured, date of loss); a liability statement pointing at evidence (police report, witnesses, photos); itemized economic damages with documents enclosed; the non-economic evaluation with its reasoning shown (this is where the multiplier math goes); and a specific demand figure with a response deadline. 'For settlement purposes only' at the top keeps the letter out of evidence in most jurisdictions.
Above your honest band, deliberately: an opening anchor of roughly 1.4–1.75× the top of your computed range leaves room for the negotiation rounds without touching your walk-away number. The builder on this page sets its demand at 1.5× band-top from your inputs — see the how-much-to-ask-for page for the full anchoring math.
After maximum medical improvement, never before — the letter prices your claim, and you can't price what isn't finished. Assemble every enclosure first (records, bills, wage proof); a demand with gaps invites a request-for-documents stall instead of an offer. Then expect a response in 4–8 weeks and 3–6 rounds after it.
Because it doesn't need them — and neither do the sites that demand them before showing you a 'free' letter. Your personal details stay as [BRACKETED] placeholders you fill in privately in your own document. Everything runs in your browser; nothing is transmitted, so there's nothing for anyone to store or sell.