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.