PERSONAL INJURY DEMAND LETTER – VERMONT
FOR SETTLEMENT PURPOSES ONLY
To: [Insurance Company] | Claim #: [NUMBER] | DOL: [DATE]
From: [Claimant, via Counsel]
1. INTRODUCTION
Formal demand for injuries sustained by [CLAIMANT] due to your insured's negligence on [DATE] in [CITY/COUNTY], Vermont.
2. FACTS OF THE INCIDENT
On [DATE], at approximately [TIME], Claimant was [location/activity] when your insured [describe negligent conduct].
[Include: specific location, what happened, how defendant's negligence caused the incident, police report number if applicable, witnesses]
3. LIABILITY
VERMONT LAW: Vermont applies modified comparative negligence – plaintiff barred if more than 50% at fault (12 V.S.A. § 1036). Claimant bears no comparative fault.
4. INJURIES AND TREATMENT
Injuries Sustained
- [Primary injury/diagnosis]
- [Secondary injuries]
Treatment Timeline
| Date | Provider | Treatment | Amount |
|---|---|---|---|
Prognosis
[Future treatment needs, permanent impairment if any]
5. DAMAGES
Economic Damages
| Category | Amount |
|---|---|
| Past Medical Expenses | $[X] |
| Future Medical | $[X] |
| Lost Wages | $[X] |
| Out-of-Pocket | $[X] |
| TOTAL ECONOMIC | $[X] |
Non-Economic Damages
- Pain and suffering
- Emotional distress
- Loss of enjoyment of life
Note: Vermont has no general cap on compensatory damages in ordinary personal injury cases. Special limits may apply (e.g., claims against the State are capped at $500,000 per person per 12 V.S.A. § 5601).
6. DEMAND
$[TOTAL] to resolve all claims.
7. SETTLEMENT TERMS
- Response deadline: [30 days from receipt]
- Acceptance: Respond in writing; tender via check payable to [Claimant/Trust Account]
8. STATUTE OF LIMITATIONS
Vermont SOL: 3 years (12 V.S.A. § 512).
Note: Accrual may be treated as the date the injury was discovered under § 512(4).
Claim expires: [DATE] (subject to discovery rule).
9. ENCLOSURES
- Medical records and itemized bills
- Photos of injuries
- Wage loss verification
- [Other exhibits]
[Attorney Name / Bar # / Contact]