Your insurance claim will depend heavily on the content and factual quality of your insurance demand letter. These steps will help you draft this crucial letter: Step 1: Clearly describe the facts of the case. Explain when, where, why, and how the incident happened, and why the other party was at fault. Mention police reports, video footage, and photographs that prove your claim. Step 2: Describe your injuries, both minor and severe, and the medical treatments and expenses attached to them. Attach your medical reports, prescriptions, receipts, and hospital bills as proof. Additionally, describe other damages you suffered, such as lost income and emotional trauma. Step 3: Provide an estimation of your economic and non-economic damages. Don't indicate a too high demand that could be considered dishonest and greedy, and don't undervalue your losses either, so you have enough room for negotiation.