UM/UIM (Uninsured/Underinsured Motorist) Demand Letter
UM/UIM DEMAND LETTER
[SENDER OR FIRM LETTERHEAD]
[DATE]
To: [OWN INSURER AND CLAIMS CONTACT]
By: [CONFIRMED DELIVERY METHOD]
Re: Insured [NAME] | Policy [NUMBER] | Claim [NUMBER] | Collision [DATE]
Dear [CLAIMS CONTACT]:
I represent [INSURED] regarding injuries from the [DATE] collision at [LOCATION]. We request $[NET UM/UIM DEMAND] under [IDENTIFIED UM OR UIM COVERAGE IN THE ISSUED POLICY]. Please evaluate the enclosed liability, injury, treatment, and payment records and explain any remaining dispute.
Coverage and collision
The policy is [FORM/EDITION, PERIOD AND ENDORSEMENTS], issued in [STATE]. The relevant coverage provision states: “[EXACT POLICY LANGUAGE].” Its limits, insured-person definition, exclusions, conditions, notice, consent, offsets, exhaustion, and dispute procedure relevant here are [DETAILS]. The insured gave claim notice on [DATE] and supplied [DOCUMENTS] on [DATE].
[INSURED] was [DRIVER/PASSENGER/OTHER COVERED PERSON] in [VEHICLE]. The other driver, [NAME], [FACTUAL ACCOUNT OF CONDUCT]. Liability evidence includes [POLICE REPORT, PHOTOS, WITNESSES AND RECORDS]. [INSURER OR OTHER DRIVER] disputes [SPECIFIC ISSUE], and our response is [EVIDENCE-BASED EXPLANATION]. The other driver's coverage status is supported by [DENIAL, DECLARATIONS, LIMITS DISCLOSURE OR OTHER RECORD].
Injury and amount
[INSURED] reported [INJURY] and received [CARE] from [DATES]. The medical and causation support is [RECORDS AND PROVIDERS]. Outstanding symptoms or limits are [DOCUMENTED FACTS].
| Component | Supporting record | Claimed amount |
|---|---|---|
| Medical expense | [Bill/payment ledger] | $[AMOUNT] |
| Lost earnings | [Employer/pay record] | $[AMOUNT] |
| Other documented loss | [Record] | $[AMOUNT] |
| Non-economic amount, if supported | [Specific facts and selected law] | $[AMOUNT] |
| Gross claim | $[AMOUNT] | |
| Less payments or offsets applicable under policy and state law | [Source and calculation] | ($[AMOUNT]) |
| Net UM/UIM demand | $[AMOUNT] |
The other insurer [PAID/OFFERED/DENIED] $[AMOUNT] on [DATE]. [INSURED] [ACCEPTED/REJECTED/IS CONSIDERING] that amount. The status of any consent to settle, subrogation notice, release, exhaustion, and credit is [ACTUAL POLICY PROVISION, STATE AUTHORITY AND RECORD]. We make no assumption that an offer or policy limit equals a paid offset.
Please pay the net supported amount of $[AMOUNT] by [REQUESTED RESPONSE DATE], or identify each disputed item and the policy or factual basis for the position. If another examination, record, or policy-required dispute step is requested, please identify its basis and proposed timing. The response date is a settlement target and does not replace a policy or legal deadline.
Please respond to [CONTACT]. We propose [PAYMENT AND RELEASE SCOPE]. We do not intend this letter to relinquish any policy claim. Please retain the claim file and communications relating to this demand.
Sincerely,
[NAME]
[TITLE / FIRM, IF ANY]
[CONTACT INFORMATION]
Enclosures: [POLICY EXCERPT]; [COLLISION RECORDS]; [MEDICAL AND WAGE RECORDS]; [OTHER-INSURER DOCUMENTS]; [PAYMENT LEDGER]
About this template
- Last updated
- September 26, 2026
- Last reviewed
- September 28, 2026
- Jurisdiction
- All states
- Category
- Demand Letters
A demand letter is a formal written request to fix a problem or pay what is owed, sent before anyone files a lawsuit. It gives the other side a real chance to settle, creates a record of your attempt to resolve things, and in many cases (unpaid debts, insurance claims, broken contracts) starts a legally required response window. A well-written demand letter lays out what happened, what you want, and a deadline to act, which is often enough to get results without ever going to court.
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 September 28, 2026.
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