Accidents can happen to anyone at any time. When they do, it can be comforting to have an insurance cover on which to fall back. But how do you inform your insurer of a calamity? How do you get them to process your claim? You can do this and more through a well-written letter.

An insurance claim letter is a formal RAF Cash document sent to your insurance company. It provides details of a calamity or accident, as provided in your policy. Additionally, it acts as a formal request for benefits.

The following guidelines should help you draft this important letter.

What to Include in an Insurance Claim Letter


Always begin your letter with the insurance company’s address. Once you have written down a proper salutation, open your letter by stating your claim’s purpose. Briefly describe the indicate which has caused you to write and what you expect from the insurance company. After this summary, you can go into detail by including the following details in your letter:

  • Subject Line – This should hold your policy number, which the reader will use to track your policy. You can also re-mention it in the first paragraph.
  • Writer Details – Provide your name and complete address. It is advisable to attach a copy of your approved ID. When closing your letter, you should also include your signature.
  • Incident Details – State the date and time of the incident and chronologically explain the occurrence. Make sure to highlight the damages you suffered and that they are covered in your policy. If applicable, you can mention any legal actions taken after the accident, including contacting the police.
  • Insurance Details – Mention the insurance start date, period, and type. This will help the reader direct your letter to the relevant department for processing.

Writing Tips for a Claim Letter


The information above should help you pack your insurance claim letter with all the relevant details. The following tips will help you do this effectively. When drafting your letter:

  • Stay true to the subject line. Avoid deviating to unrelated topics.
  • Maintain a polite and professional tone
  • Use a formal business format
  • Avoid using slang, abbreviation, or references unless they are recognized in the insurance field.
  • Attach relevant documents to prove your claim and mention them in your letter
  • Keep your letter short and to the point.
  • Avoid exaggerating or dramatizing the details of your accident.

Insurance Claim Letter Format


{Claim Processing Officer Name}

{Insurance Company Name}

{Insurance Company Address}

{City, State, Zip Code}

Re: {Policy Number}

Dear {Mr./Mrs./Ms. Last Name},

My {type of insurance} insurance policy number is {policy number}. I am writing in regards to an insurance claim for my {protected asset, e.g., home, car, or business}. On {date of incident}, {briefly but chronologically describe incident}.

According to my policy, I am eligible for a claim. I have filed a report with the relevant authorities and have spoken to an {agent/attorney}.

I would appreciate it if you process my claim and get back to me on this matter as soon as possible. You can reach me on {contact information}.

Thank you for your time and consideration.


{Your Name}

{Your Signature}

Sample Insurance Claim Letter

19 November 2030

Jennifer Bentley

UI Insurance

234 Main Street

New York City, NY 56789

Re: Policy Number UI12345

Dear Mrs. Bentley,

My name is Jonathan Killian, holder of policy number UI12345. I am writing in regards to my Personal Injury Protection Insurance (PIP) cover. On 18 November 2030, I was involved in a car accident on 123 Rose Road. The other driver, who caused the accident, was over speeding and driving in the wrong lane.

I suffered a broken shoulder and sprained neck in the accident, which cost me $3,540. I have attached the police report, medical records, and receipts. According to my policy, I am eligible for reimbursement for these expenses.

Kindly process my request and get back to me as soon as possible.


Jonathan Killian

Insurance Claim Letter (Word Template)

Besides presenting a formal claim, an insurance claim letter can also act as evidence. This is especially the case when your request is denied, and you decide to take legal action. It means that your letter should be accurate, to the point, and formal. Make sure to include all the details of the incident and how it is phrased in your policy. Since you expect to receive payment, you can also include your account details. Finally, always include your full name, signature, and address.

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