Settlement Calculator

Settlement demand letter generator

A demand letter is how you formally open settlement talks with the at-fault driver's insurer. Fill in what you know and we'll assemble a clean, editable draft — free, and entirely in your browser.

Read first. This produces a starting-point template, not legal advice, and the people who built it are not attorneys. Review and edit every line before sending — and for serious or permanent injuries, disputed fault, or a low-balling insurer, have a licensed attorney in your state review it (most work on contingency). Everything you type stays in your browser: nothing is sent to us or stored.
1 Your details (optional — for the letter heading)
2 The accident

Stick to the facts that show the other driver was at fault. This becomes the “Liability” section.

3 The other side (optional)
4 Injuries & treatment
5 Your damages

Not sure? Our calculator estimates this for you, then sends the numbers here.

6 Your demand

An opening demand is usually higher than your bottom line — it leaves room to negotiate.

Important disclaimer

This generator provides a general template for informational purposes only and is not legal advice, not a guarantee of any outcome, and not a substitute for a licensed attorney. Sending a demand letter has legal consequences and strategic trade-offs a template cannot weigh. Laws and deadlines vary by state. Do not rely on this draft without reviewing it carefully and, for anything serious, consulting a lawyer in your state. Using this tool does not create an attorney–client relationship. See our full Disclaimer.