Los Angeles, CA personal injury attorney Narbeh Shirvanian talks about California personal injury demand letters. He discusses that the settlement process begins with the preparation and submission of a settlement demand letter to the insurance company. In California, this procedure is guided by CCP Section 999, which outlines the requirements for an effective policy limit demand. The primary objective is to secure the maximum compensation available under the at-fault party’s insurance policy.

The demand letter provides critical details, including the date and location of the incident, the identities of the claimant and the respondent, the facts of the accident, the liability of the at-fault party, and any laws believed to have been violated. It also presents a clear explanation of the damages sustained by the client, covering medical treatment, bills, out-of-pocket expenses, lost earnings, and the broader impact on quality of life, including pain, suffering, and emotional distress.

Attorneys work closely with clients to ensure their input is reflected in the demand. The letter is accompanied by a comprehensive packet containing photographs, evidence, collision reports, witness statements, dashcam footage, and recorded statements, all aimed at substantiating the claim. The insurance company is then given 30 days to evaluate the demand and respond.

In many cases, this process results in a policy limit settlement. If the insurance company delays or disputes the claim, legal action is initiated through filing a lawsuit to ensure the client’s damages are fully addressed in court.