Free Demand Letter Builder (PDF)

Build a professional, structured demand letter for your personal injury insurance claim. Itemize special damages, calculate pain & suffering via the multiplier method, project future damages to present value, and apply aggravating factors. Output: ready-to-send PDF.

1. Header Info

Your Name

Your Phone

Your Address

Defendant Name

Date of Accident

Insurance Carrier

Insurer Mailing Address

Claim Number

Policy Number

2. Statement of Facts

3. Liability Analysis

4. Injuries & Medical Treatment

5. Special Damages (itemize each)

6. Pain & Suffering Multiplier

Multiplier (1.5× minor → 5× severe → 10× catastrophic)

7. Future Damages (auto-discounted to present value)

PV discount rate %

Years (typical horizon)

8. Aggravating Factors (each adds 15% to demand, max 200%)

Driver under influence (DUI) Reckless / willful conduct Defendant fled the scene Commercial defendant (corporate negligence) Prior history of similar incidents Claimant is a minor Permanent disability or disfigurement

9. Demand Amount & Deadline

Demand Amount leave 0 to use auto-calculated

Auto-calculated preview: $0

Response Deadline (days)

Important: This PDF is generated client-side from your inputs. It is not legal advice. Have a licensed personal injury attorney review the letter before sending it to the insurance company. Inadvertent admissions or formatting errors can significantly weaken your case.