When dealing with a settlement demand to an insurance company, it is important for an individual to have an attorney do it for them. There are many elements to a demand letter that an individual may not know to include. These factors include how old the person is, what their life expectancy is, what they do for a living, what type of family they have, whether they have children, whether they have grandchildren, and other factors. The letter also needs to deal with the economic loss such as lost wages, medical bills, future medical treatment, and inability to work.