UM/UIM (Uninsured/Underinsured Motorist) Demand Letter - Universal

UM/UIM CLAIM AND DEMAND — PREPARATION PACKET

Do not send this packet. Complete the policy, coverage, jurisdiction,
tortfeasor-settlement, damages, lien, deadline, and procedural registers.
Prepare each required notice, consent request, proof, demand, arbitration
filing, complaint, release, or settlement document separately.

1. Matter control

2. Policy and endorsement inventory

Obtain complete policies, declarations, endorsements, amendments, applications,
renewals, notices, and claim correspondence. Do not rely on a declarations page
or coverage label alone.

Policy provisions requiring verbatim review: [________________________________]

Choice-of-law, territory, arbitration, appraisal, suit, notice, cooperation,
consent, subrogation, exhaustion, offset, setoff, reduction, priority, other
insurance, anti-stacking, and settlement provisions: [________________________________]

3. Current-authority and coverage register

Complete a separate row for every jurisdiction and coverage issue.

No consent-by-silence, mandatory arbitration, stacking, offset, exhaustion,
response period, penalty, interest, or bad-faith conclusion is supplied here.

4. Notice and deadline calendar

Independent deadline review by / date: [________________________________]

A proposed negotiation date does not extend or replace a legal, policy,
contractual, administrative, arbitration, appeal, or filing deadline.

5. Liability and accident record

Police, crash, incident, body-camera, dispatch, citation, and agency records: [________________________________]

Photographs, video, vehicle data, telematics, phone, roadway, and physical evidence: [________________________________]

Witnesses and experts: [________________________________]

6. Tortfeasor and other-coverage record

Coverage-search steps and evidence: [________________________________]

Proposed tortfeasor release terms: [________________________________]

Do not sign a release, covenant, dismissal, trust instruction, indemnity, or
settlement document until UM/UIM counsel approves its effect on coverage,
subrogation, liens, and remaining claims.

7. Injury, treatment, and causation record

Prior or subsequent conditions and events: [________________________________]

Gaps, referrals, recommendations, restrictions, and future care: [________________________________]

Medical-record, billing, authorization, privacy, and expert plan: [________________________________]

8. Damages and payment ledger

Record claimed amounts without assuming legal recoverability.

Credits, offsets, collateral sources, deductibles, advances, and prior payments: [________________________________]

Valuation range and methodology: [________________________________]

9. Lien, reimbursement, benefit, and approval register

Minor, protected person, estate, bankruptcy, benefits, government, health
plan, insurer, court, agency, or fiduciary issue: [________________________________]

10. Insurer-request and claim-file log

Examination, medical examination, recorded statement, authorization, or
independent-evaluation issue: [________________________________]

Privilege, work product, confidentiality, medical privacy, and protected-data review: [________________________________]

11. Demand design

The final communication must distinguish a settlement proposal from any policy
notice, consent request, proof, demand required to trigger a procedure, or
formal arbitration or court filing.

12. Drafting workspace

Matter and policy

[Identify the claimant, accident, insurer, complete policy, endorsements, and
claim number.]

Coverage position

[State only coverage conclusions supported by the completed policy and
authority register.]

Accident, liability, and causation

[State record-supported facts and acknowledge material disputes.]

Injury and damages

[Summarize verified records and calculations without overstating prognosis,
causation, balance, or legal recoverability.]

Request and response

[State the approved amount or action, a negotiation date, delivery method, and
any separate consent or waiver request. Do not imply silence has an effect
unless current authority and policy language establish it.]

Rights and deadlines

[Preserve independently verified routes and deadlines without threatening
unsupported penalties, arbitration, suit, fees, or bad faith.]

13. Final review

☐ Complete policies, endorsements, applications, renewals, and claim file reviewed

☐ Coverage, limit, priority, stacking, offset, exhaustion, consent, and subrogation resolved

☐ Every policy, notice, limitations, arbitration, and filing deadline calendared

☐ Tortfeasor coverage, offer, release, and other sources verified

☐ Liability, causation, injury, treatment, damages, and evidence reconciled

☐ Liens, reimbursement, benefits, approvals, taxes, and protected persons addressed

☐ Final communication type and required contents identified

☐ Proposed response date is not described as a legal deadline

☐ No consent-by-silence, automatic penalty, fee, interest, arbitration, or bad-faith claim remains

Preparing counsel: [________________________________]

Coverage reviewer: [________________________________]

Damages reviewer: [________________________________]

Final review date: [__/__/____]