After drafting and sending a need letter, waiting for the indemnity company to respond can be one of the hardest parts of an injury claims work. policy companies can take weeks to respond to demand letters and, in some cases, may ignore them raw .

Best Case Scenario

In the best-case scenario, the indemnity company will respond to your need letter within 30 days. however, you generally have to wait anywhere from a few weeks to a couple of months because no police sets a deadline. You have the option to stipulate a deadline for a response in your demand letter, but there is no guarantee that the insurance company will meet it .

Factors That Can Impact Your Demand Letter Response Time

The watch factors can influence how promptly or slowly an policy company will respond to your demand letter :

  • Whether there has been previous communication. If there has already been communication between you and the insurer regarding your injuries and medical bills, they may respond to you quicker.
  • The size of your claim. The larger your claim, the more investigation will be required before approval. Similarly, if your amount of medical bills is much higher than the at-fault party’s policy limits, your claim will need high-level approval.
  • Pre-existing injuries. If you have any pre-existing conditions before the accident and/or treatment, this can delay an insurer’s response.
  • Size of the insurance company. The company’s internal circumstances, such as its size or the adjuster’s caseload, can impact a response. The larger the company, the more resources they have to reply to claims quickly.
  • The insurance policy’s limits. The larger the insurance policy, the greater the risk of financial liability for the insurer. As a result, they will thoroughly review and scrutinize your claim to minimize a potential payout.

Common Responses to a Demand Letter

Insurance companies are not required by law to respond to demand letters. If you do not receive a reaction after an cover distance of time, you and your lawyer may choose to proceed by filing a lawsuit. If the insurance company does respond to you, it will typically consist of one of the stick to :


indemnity companies routinely reject valid claims to deter claimants from pursuing recompense. This can be intimidating and does bring, but this shouldn ’ thyroxine be a rationality to give up. Have a personal injury lawyer review your rejection and determine whether you have a font.

Counter Offer

The insurance company may respond to you with a counter settlement propose for a significantly lower measure than you requested. You have the choice to accept their crack, counterpunch it, or file a lawsuit. however, this is a common tactic used by insurers, and negotiations often continue for some time, with counter-offers sent binding and away .


Acceptance is a very rare response to a demand letter, but the insurance company might accept liability and your request recompense .

Need Help With a Claim?

If you are pursuing a personal injury claim, hiring a Minneapolis Personal Injury Lawyer to help you draft an effective demand letter and conduct with the insurance company is crucial. Call ( 800 ) 292-1979 nowadays for a exempt reference .

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