Insurance Demand Letter - California

CALIFORNIA INSURANCE CLAIM SETTLEMENT DEMAND

This is an offer-development form, not a self-executing coverage agreement or
statutory notice. Determine whether the claimant is making a first-party
claim under the claimant's policy, a third-party liability claim against an
insured, or another claim. Review the complete policy, current controlling
authority, claim communications, deadlines, liens, and required delivery
method before sending anything.

1. Claim, policy, and authority profile

Current-law authority register

Do not describe a requested response period as a statutory deadline, cure
period, safe harbor, default, or bad-faith trigger unless the completed register
supports that exact effect for this claim.

2. Delivery header

[DATE]

Via [AUTHORIZED DELIVERY METHOD]

[INSURER / CLAIMS ADMINISTRATOR]

Attn: [ADJUSTER / DEPARTMENT]

[ADDRESS]

[EMAIL OR PORTAL, IF AUTHORIZED]

Re: Claimant: [NAME]

Insured: [NAME]

Policy No.: [NUMBER]

Claim No.: [NUMBER]

Date of Loss: [DATE]

Dear [ADJUSTER / CLAIM REPRESENTATIVE]:

I represent [CLAIMANT NAME] concerning the loss identified above. This letter
presents the currently available liability, coverage, injury, and damages
information and offers to resolve [IDENTIFY CLAIMS] against [IDENTIFY PARTIES]
on the terms stated below. Please direct claim communications to [CONTACT],
subject to any rule applicable to represented persons.

3. Incident and liability presentation

3.1 Factual chronology

[STATE MATERIAL EVENTS IN DATE ORDER. DISTINGUISH PERSONAL KNOWLEDGE,
DOCUMENTED FACT, WITNESS INFORMATION, EXPERT OPINION, AND CONTENTIONS.]

3.2 Liability position

[STATE THE CLAIMANT'S THEORY AND THE FACTS SUPPORTING EACH ELEMENT. ADDRESS
KNOWN DISPUTES, DEFENSES, FAULT ALLOCATION, CAUSATION, AND OTHER MATERIAL
ISSUES UNDER THE COMPLETED AUTHORITY PROFILE.]

Do not call liability clear, established, undisputed, or legally conclusive
unless counsel determines that the evidence and governing law support that
characterization.

3.3 Supporting material

☐ Incident, crash, agency, or internal report

☐ Photographs, video, measurements, or scene material

☐ Witness statements or contact information

☐ Correspondence, recorded statement, or admission

☐ Expert material

☐ Other: [________________________________]

4. Coverage position

Option A — First-party claim

The claimant requests payment under [COVERAGE PART]. The relevant policy
language is [QUOTE OR ACCURATE SUMMARY], and the facts supporting the coverage
position are [FACTS]. Any disputed condition, exclusion, valuation method,
deductible, limit, appraisal term, cooperation issue, or other policy question
is addressed as follows: [DETAILS].

Option B — Third-party liability claim

This demand seeks settlement of claims asserted against [INSURED]. Any
statement about available insurance, limits, defense, indemnity, or settlement
authority is based on [POLICY / DISCLOSURE / CORRESPONDENCE] and remains subject
to confirmation. The claimant does not state that the policy creates a direct
payment right or direct cause of action unless the authority register supports
that result.

Delete the unused option.

5. Injury, treatment, and prognosis

Use appropriate authorization, redaction, and secure delivery for medical,
financial, identifying, and other sensitive information. Do not describe an
enclosure set as complete when material records remain outstanding.

6. Damages presentation

Total amount presented: $[AMOUNT].

Confirm which categories may be requested, how billed and paid amounts are
treated, and whether any source, limitation, interest, fee, cost, multiplier,
or extra-contractual theory applies. Do not include an amount merely because it
appears as a row in this form.

7. Settlement offer

Subject to the qualifications below, [CLAIMANT] offers to resolve [IDENTIFY
CLAIMS] against [IDENTIFY RELEASED PERSONS OR ENTITIES] for $[AMOUNT],
payable as follows: [PAYMENT TERMS AFTER COUNSEL CONFIRMS TRUST, LIEN, TAX,
AUTHORITY, AND SETTLEMENT-HANDLING REQUIREMENTS].

The proposed consideration would be exchanged for [DESCRIBE RELEASE,
DISMISSAL, CONFIDENTIALITY, INDEMNITY, LIEN HANDLING, OR OTHER TERMS]. No term
is agreed merely by use of this form. Attach a proposed release if acceptance
depends on its exact language.

This offer may be accepted only by [METHOD] so that acceptance is received by
[TIME, TIME ZONE, DATE]. The response period is a selected offer term. State
whether the offer is:

☐ withdrawn after that time

☐ subject to later written withdrawal

☐ governed by another counsel-approved rule: [________________________________]

Please identify promptly any additional nonprivileged information reasonably
needed to evaluate the offer. A request for information does not extend or
modify the offer unless [CLAIMANT / COUNSEL] agrees in writing.

8. Matters requiring express treatment

Do not promise lien resolution, authority to bind another person, assignment
restrictions, survival of representations, or a particular release effect
without confirming the facts and governing law.

9. Qualified preservation request — optional

Because a dispute concerning [SUBJECT] is [PENDING / REASONABLY ANTICIPATED],
please take the steps required by applicable law to preserve relevant
information within your possession, custody, or control, including [TARGETED
CATEGORIES, CUSTODIANS, SYSTEMS, AND DATE RANGE]. This request does not state
that every claim-file item is discoverable, nonprivileged, or required to be
produced. Production and privilege issues remain governed by applicable
procedure and any later agreement or order.

10. Closing and enclosures

Please send the written response and any acceptance to:

[NAME]

[FIRM, IF APPLICABLE]

[ADDRESS]

[EMAIL]

[PHONE]

Sincerely,

[CLAIMANT OR AUTHORIZED COUNSEL]

11. Final review

☐ Correct claim type, policy, parties, capacities, and locations identified

☐ Complete policy and endorsements reviewed where available

☐ Every legal proposition entered in the dated current-law authority register

☐ Every factual assertion supported and disputed facts labeled

☐ Damages math, records, duplicates, and future-loss support checked

☐ Liens, reimbursement interests, authority, and approval issues investigated

☐ Release and settlement terms stated precisely

☐ Response date is feasible and its legal significance is not overstated

☐ Sensitive information redacted and transmitted securely

☐ Delivery follows the policy, approved method, and any applicable process

☐ Independent filing and notice deadlines calendared separately

☐ Qualified California counsel approved the final letter

This template is provided for informational purposes only and does not
constitute legal advice.