Everything you need to know about this important notice, including a downloadable template
Navigating an accident claim can be overwhelming, but understanding the importance of a Notice of Insurance Claim can pave the way to securing your rightful compensation.
Accidents can be distressing, especially when they result from someone else’s negligence.
A crucial step in securing the compensation you deserve following an accident is submitting a “Notice of Insurance Claim” to the at-fault party’s insurance provider.
This article explains everything you need to know about this document and includes a downloadable Notice of Insurance Claim template to help you through the process.
What is a Notice of Insurance Claim?
A “Notice of Insurance Claim” is a formal written notice that the claimant (you) sends to an insurance company (the “insurer”). It informs the insurer about your intention to file an insurance claim for an injury caused by their policyholder (the “insured”).
This document is often the initial step in the process of pursuing a personal injury claim. It helps by properly documenting your claim and establishing a clear communication line with the insurance company.
When is a Notice of Insurance Claim appropriate?
A Notice of Insurance Claim is applicable in almost any case in which someone else was at fault for your injuries. This may include:
When it comes to work-related injuries, there is a separate process in place that typically involves you providing written notice to your employer, who then contacts the workers’ compensation insurer.
When to send a Notice of Insurance Claim
It’s important to send a Notice of Insurance Claim to the insurer as soon as possible after suffering your injury. Doing so ensures that the incident is still fresh in your mind and the pertinent details are correct. What’s more, insurance companies (and jurors) tend to take allegations more seriously when they are raised without delay.
It’s a good idea to send the Notice of Insurance Claim via certified mail with a return receipt requested so you have proof that it was received.
Every state has a statute of limitations that requires plaintiffs to file a lawsuit within a certain period of time, or else the lawsuit will be forever barred. It’s important to keep in mind that a Notice of Insurance Claim is NOT a substitute for a lawsuit and, therefore, will not stop the statute of limitations from running. Accordingly, we recommend consulting with an attorney as soon as possible after your accident. Most initial consultations are free.
Key elements of the Notice of Insurance Claim
Your Notice of Insurance Claim should include a few essential details, including:
- Your contact information
- The date of the accident
- A brief description of the accident
- A brief description of the injuries sustained
It’s also important to request a written confirmation of the liability insurance coverage for the insured for the date of the accident and whether the insured contends that anyone other than themselves may be liable.
Avoid communicating too much information about the accident or your injuries. You will have an opportunity to establish your case when you write a demand letter. Additionally, it’s a good idea to include a statement explaining that the letter does not serve as an exhaustive statement of injuries, damages, or facts about the accident.
Additional steps toward receiving compensation
While sending a Notice of Insurance Claim is an important step, it’s just the beginning. Additional measures may include gathering evidence, keeping track of medical expenses, and consulting with a personal injury attorney.
An experienced personal injury attorney can negotiate with the insurer and file a lawsuit and take your case to trial if necessary.
Notice of Insurance Claim template
Below you’ll find a “Notice of Insurance Claim” template. The template should be tailored to fit your specific circumstances, and it may be beneficial to consult with an attorney before sending the notice. An attorney can help ensure that your rights are being protected and that you are taking the correct steps to pursue a claim.
Notice of Insurance Claim Template
Template for a Notice of Insurance Claim letter to inform the appropriate insurance company that you intend to file a claim.
Download in PDF format