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Glossary · Claims Process

Demand Letter

A demand letter is the formal opening of settlement negotiations: a comprehensive presentation of liability, injuries, treatment, and damages, concluding with a specific amount and deadline.

Claims Process

What “Demand Letter” Means

A demand letter is the formal opening of settlement negotiations: a comprehensive presentation of liability, injuries, treatment, and damages, concluding with a specific amount and deadline. It’s the document that converts a claim file into a negotiation.

Why It Matters in Your Texas Case

At McKay Law, the demand package is built like a trial exhibit because it might become one: liability evidence assembled, complete medical records and bills, wage-loss documentation, and damages calculated from proof. Demands go out only after your prognosis is known — settling before the medicine is understood is settling blind — and they land differently when the letterhead belongs to a firm with a $6,000,000 recovery, because insurers price the demand partly by who’s prepared to try the case behind it.

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