Sample Demand Letter (Free Template + Example) | EvenUp
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A sample demand letter is a completed personal injury demand you can use as a model for your own, showing how to present liability, medical damages, lost wages, and a specific settlement figure to an insurance adjuster.
Download EvenUp’s free sample demand letter below, built from the same structure that, in EvenUp’s data, makes a demand 69% more likely to reach a policy-limit settlement than a non-EvenUp demand.
Unlike a blank template, this sample shows the finished argument, the evidence pairing, and the anchoring language an adjuster actually responds to.
What Is a Demand Letter?
A demand letter is the formal document a personal injury attorney sends to an insurer to open settlement negotiations, laying out liability, the injuries and treatment, the economic and non-economic damages, and a specific dollar demand. It is the pivot point between the treatment phase and the negotiation phase of a claim: a strong one anchors the entire settlement conversation, and a weak one invites a lowball first offer.
Demand letters are used across many dispute types (unpaid debts, breached contracts, employment matters). This page and the attached sample are scoped to U.S. personal injury and bodily-injury claims.
For a full walkthrough of drafting one, see EvenUp’s guide, How to Write a Personal Injury Demand Letter, and the primer What Is a Demand Letter?.
What Does a Sample Demand Letter Include?
A strong personal injury demand letter includes seven parts, in this order. The free sample below shows each one filled in for a model case rather than described in the abstract.
| Section | Purpose | What it contains |
|---|---|---|
| Introduction and parties | Frame the claim | Claimant, insured, claim number, date of loss |
| Statement of facts | Establish the story | A clear, chronological account of how the incident happened |
| Liability | Assign fault | Why the insured is responsible, tied to evidence |
| Injuries and treatment | Prove the harm | Diagnoses, providers, and the course of care |
| Damages | Quantify the harm | Medical bills, lost wages, and pain-and-suffering, itemized |
| Demand | Anchor the number | A specific settlement figure and the reasoning behind it |
| Deadline and closing | Drive a response | A response window and next steps |
Sample Demand Letter vs. Template vs. Example
These three terms get used interchangeably, but they solve different problems. Use a sample to see the finished argument, a template to draft your own faster, and an example to study one specific case type.
| Document | What it is | Best for |
|---|---|---|
| Sample demand letter | A completed model letter | Seeing the full structure, tone, and anchoring in context |
| Demand letter template | A reusable, fill-in framework | Drafting your own letter quickly and consistently |
| Demand letter example | A completed letter for one scenario | Studying how a specific case type is argued |
The EvenUp download gives you the completed sample; the same asset doubles as a template you can adapt case to case. For step-by-step drafting instructions, follow the personal injury demand letter guide.
Download the Free Sample Demand Letter
EvenUp’s Demands product turns a synced case file (medical records, bills, and policy information) into a litigation-ready demand. The free sample available here is a complete, model personal injury demand you can read end to end and adapt. It covers:
- A fact and liability narrative: a chronological account of the incident tied to the evidence, written to establish fault before a single dollar is discussed.
- An itemized damages schedule: medical specials, lost wages, and non-economic damages, separated and totaled so the number is easy to verify.
- A quantified pain-and-suffering argument: the reasoning that supports the non-economic figure, rather than a round number with no basis.
- A strategic settlement demand: a specific dollar anchor and a response deadline that keeps the negotiation moving.
When a Demand Letter Is the Right Move (and When It Is Not)
A demand letter is the right next step once treatment is complete or has reached maximum medical improvement and you can document the full extent of damages. Sending it too early, before the medical picture is clear, undercuts the number you can credibly demand.
A demand letter is not a substitute for filing suit when liability is genuinely disputed or the statute of limitations is close, and it is not the right instrument for non-injury disputes like unpaid debts or contract breaches, which follow different conventions.
For what happens after you send it, see How Long After a Demand Letter Can I Expect a Settlement?
How EvenUp Drafts Demand Letters
EvenUp’s Demands and Express Demands turn a firm’s case file into a structured demand: medical records are reviewed and organized, damages are itemized, and the narrative is drafted to the structure shown in the sample above.
In EvenUp’s data, demands built this way are 69% more likely to reach a policy-limit settlement than non-EvenUp demands, and EvenUp has supported over $1 billion in claims. The goal is to let attorneys spend less time assembling records and more time on strategy and clients.
Frequently Asked Questions
What makes EvenUp’s generative AI different than ChatGPT or others?+
ChatGPT and similar tools use publicly available learning language models (LLMs). Anyone can use these general-purpose LLMs for many tasks. However, they may not have the depth needed for specialized tasks.
Why is demand letter precision so important?+
Insurance companies don’t settle fairly out of goodwill—they respond to evidence, strategy, and well-documented damages. Yet, many firms unknowingly leave significant money on the table from incomplete or undervalued claims.
EvenUp’s demand letters consistently lead to higher settlement offers by:
- Using structured narratives that leave no room for undervalued settlements.
- Presenting clear medical records and case law references.
- Quantifying non-economic damages with precision.
- Providing real-world settlement benchmarks for context.
The result? Faster negotiations, fewer disputes, and higher settlements.
Are a sample demand letter and a letter of demand template the same?+
A sample demand letter is a finished example. It shows what a strong and effective demand looks like. This helps understand tone, structure, and content.
On the other hand, a letter of demand template is a repeatable framework you can fill in with your own case details. Think of the sample as inspiration and the template as a tool. Ideally, you’d use both: the sample for guidance and the template to streamline your drafting process.