Indiana Personal Injury Demand Letter
Personal Injury Demand Letter — Indiana
Before sending: Use this letter for a fact-supported third-party injury claim. Confirm the claim's filing period and accrual under Ind. Code § 34-11-2-4(a)(1). The Comparative Fault Act excludes covered medical-malpractice actions against qualified providers and tort claims against governmental entities or employees under Ind. Code §§ 34-51-2-1(b), 34-51-2-2. Adapt the letter to the applicable claim, policy, lien, and settlement terms.
[LAW FIRM LETTERHEAD]\
[ADDRESS]\
[TELEPHONE] | [EMAIL]
[__/__/____]
Via [DELIVERY METHOD]\
[CLAIMS ADJUSTER NAME]\
[INSURER NAME]\
[ADDRESS]
Re: Personal injury claim of [CLAIMANT NAME]\
Insured: [INSURED NAME]\
Claim No.: [NUMBER]\
Incident: [__/__/____] at [LOCATION]
Dear [ADJUSTER NAME]:
Our firm represents [CLAIMANT NAME] concerning injuries caused by the incident identified above. This letter offers to resolve the claim against [INSURED NAME] on the terms stated below. Please direct a written response to [ATTORNEY NAME] at [EMAIL OR ADDRESS].
Incident and responsibility
On [__/__/____], [DESCRIBE THE INCIDENT, EACH PERSON'S ROLE, AND THE RELEVANT CONDITIONS]. [IDENTIFY THE FACTS SUPPORTING THE INSURED'S DUTY, ITS SPECIFIC ACT OR OMISSION, AND HOW THAT CONDUCT CAUSED THE INJURY].
The available evidence includes [POLICE OR INCIDENT REPORT, PHOTOGRAPHS, VIDEO, WITNESS STATEMENTS, AND OTHER SUPPORTING MATERIAL]. In our assessment, [STATE WHY THE EVIDENCE SUPPORTS THE INSURED'S RESPONSIBILITY]. [IF COMPARATIVE FAULT IS IN ISSUE, STATE THE EVIDENCE CONCERNING CLAIMANT AND NONPARTY CONDUCT; DO NOT ASSERT A PERCENTAGE WITHOUT SUPPORT.]
For an action within Indiana's Comparative Fault Act, Ind. Code § 34-51-2-5 reduces compensatory damages for fault chargeable to the claimant. Section 34-51-2-6 bars recovery if that fault exceeds the fault of all persons whose fault proximately contributed to the damages. On the present record, [STATE THE FACTUAL BASIS FOR CLAIMANT'S POSITION ON FAULT].
Injury and treatment
[CLAIMANT NAME] suffered [INJURIES AND DIAGNOSES SUPPORTED BY RECORDS]. Treatment began on [__/__/____] at [PROVIDER] and has included [TREATMENT, DATES, AND PROVIDERS]. [DESCRIBE CURRENT SYMPTOMS, FUNCTIONAL LIMITATIONS, PROGNOSIS, AND THE RECORD SUPPORTING ANY FUTURE CARE.]
Documented losses
| Loss | Evidence | Claimed amount |
|---|---|---|
| Past medical expense | [BILLS AND PAYMENT RECORDS] | $[________] |
| Supported future care | [PROVIDER OPINION OR ESTIMATE] | $[________] |
| Lost income | [EMPLOYER RECORDS OR TAX DOCUMENTS] | $[________] |
| Supported future earning loss | [VOCATIONAL OR ECONOMIC EVIDENCE] | $[________] |
| Other out-of-pocket loss | [RECEIPTS AND DESCRIPTION] | $[________] |
| Pain, impairment, and other supported noneconomic loss | [RECORDS AND NARRATIVE] | $[________] |
| Total amount claimed | $[________] |
[EXPLAIN ANY DISPUTED CHARGE, PRIOR PAYMENT, LIEN, OR ITEM THAT SHOULD NOT BE COUNTED TWICE.]
Settlement offer
To resolve [SPECIFY THE CLAIMS AND PARTIES TO BE RELEASED], Claimant offers to accept $[________]. This offer includes [SPECIFY WHETHER COSTS, INTEREST, LIENS, AND EXPENSES ARE INCLUDED OR EXCLUDED] and is conditioned on [SPECIFY PAYMENT DEADLINE, RELEASE TERMS, LIEN HANDLING, AND ANY OTHER MATERIAL TERMS]. Claimant will sign a release after the agreed payment and lien terms are documented in a written settlement agreement.
Please communicate acceptance in writing by [TIME] on [__/__/____] to [EMAIL OR ADDRESS]. If you need additional records or wish to discuss a counteroffer, contact us before that date. This offer expires at the stated time unless extended in writing.
Sincerely,
[ATTORNEY SIGNATURE]\
[ATTORNEY NAME]\
Indiana Attorney No. [NUMBER]\
Counsel for [CLAIMANT NAME]
Enclosures: [LIST THE RECORDS ACTUALLY ENCLOSED]
About this template
- Last updated
- October 19, 2026
- Citations checked
- October 23, 2026
- Jurisdiction
- Indiana
- Category
- Personal Injury
Legal authority
- Ind. Code § 34-11-2-4(a)(1) (injury-to-person action filing period after accrual)
- Ind. Code § 34-51-2-1(a) (scope of Comparative Fault Act)
- Ind. Code § 34-51-2-1(b)(1) (qualified-provider medical malpractice exclusion)
- Ind. Code § 34-51-2-2 (governmental-tort-claim exclusion)
- Ind. Code § 34-51-2-5 (proportionate reduction for claimant fault)
- Ind. Code § 34-51-2-6 (recovery bar in covered actions)
Personal injury cases are brought by people who were hurt because of someone else's carelessness: car crashes, slip and falls, defective products, and more. Demand letters, settlement agreements, and court filings in these cases have to document the injuries, the medical treatment, the lost income, and the exact legal basis for holding the other side responsible. Well-prepared paperwork is what drives higher settlements and forces insurers to take the claim seriously.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on October 23, 2026.
Ind. Code § 34-11-2-4(a)(1) (checked October 23, 2026): "An action for: (1) injury to person or character; (2) injury to personal property; or (3) a forfeiture of penalty given by statute; must be commenced within two (2) years after the cause of action accrues."
Ind. Code § 34-51-2-1(a) (checked October 23, 2026): "This chapter governs any action based on fault that is brought to recover damages for injury or death to a person or harm to property, except as provided in subsection (b)."
Ind. Code § 34-51-2-1(b)(1) (checked October 23, 2026): "(1) brought against a qualified health care provider under IC 16-9.5 (before its repeal), IC 27-12 (before its repeal), or IC 34-18 for medical malpractice; or"
Ind. Code § 34-51-2-2 (checked October 23, 2026): "This chapter does not apply in any manner to tort claims against governmental entities or public employees under IC 34-13-3 (or IC 34-4-16.5 before its repeal)."
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