Insurance Demand Letters
Fight denials, delays, and lowball offers from your insurance company. Our AI drafts professional demand letters with state-specific legal citations.
Starting at $9 · No lawyer needed · Takes 2 minutes
Choose Your Insurance Letter
Each letter cites the specific laws, deadlines, and penalties for your state.
Auto Total Loss Valuation Dispute
Dispute your insurer's lowball total loss payout and demand fair market value.
Generate letter →Diminished Value Claim Demand
Demand compensation for your vehicle's lost resale value after an accident repair.
Generate letter →Medical Necessity Denial Appeal
Appeal your health insurer's denial of a medically necessary treatment or procedure.
Generate letter →Out-of-Network Surprise Bill Dispute
Dispute a surprise medical bill from an out-of-network provider you didn't choose.
Generate letter →Homeowners Water Damage Denial Appeal
Appeal your homeowners insurance denial for water damage to your property.
Generate letter →Homeowners Fire/Smoke Claim Appeal
Appeal your insurer's underpayment or denial of a fire and smoke damage claim.
Generate letter →Life Insurance Payout Delay Complaint
Demand prompt payment of a life insurance death benefit when the insurer is stalling.
Generate letter →Pet Insurance Pre-Existing Condition Appeal
Appeal a pet insurance denial that wrongly labels your pet's condition as "pre-existing."
Generate letter →Long-Term Disability Termination Appeal
Appeal the wrongful termination of your long-term disability benefits under ERISA.
Generate letter →Dental Insurance UCR Dispute
Dispute your dental insurer's artificially low "usual, customary, and reasonable" reimbursement rate.
Generate letter →Ambulance Excessive Billing Dispute
Dispute an outrageous ambulance bill or balance bill after emergency transport.
Generate letter →GAP Insurance Refund Demand
Demand a pro-rata refund of your GAP insurance after paying off or selling your vehicle early.
Generate letter →How It Works
Get your professional demand letter in three simple steps.
Tell Us Your Situation
Answer a few quick questions about your dispute. We guide you through the process step by step.
AI Generates Your Letter
Our AI researches your state's laws, then drafts a professional demand letter citing specific statutes and deadlines.
We Mail It for You
Choose PDF download ($9) or let us send it via USPS Certified Mail ($29) — the delivery method attorneys use, with tracking and court-admissible proof of delivery.
Same legal citations. Same professional format. A fraction of the cost.
Real Results from Real People
Join 50,000+ people who've used demand letters to resolve their disputes.
“State Farm had been ignoring my emails for 3 months. I sent the demand letter on Monday, got a call Wednesday, and had a check Friday.”
Jessica M.
Austin, TX · Insurance Claim
“My landlord kept $2,400 of my security deposit for 'cleaning fees.' The demand letter cited the exact California civil code and deadline. Got a full refund within 10 days.”
Marcus T.
Los Angeles, CA · Security Deposit
“I was owed $4,800 in unpaid commissions. HR wouldn't return my calls. After the certified letter arrived, they wired the money within a week.”
Rachel K.
Chicago, IL · Unpaid Wages
Names abbreviated for privacy. Results may vary. This is a writing tool, not legal advice.
Your Letter Is 2 Minutes Away
Choose your insurance letter type above, answer a few questions, and have your demand letter ready to send today.
Choose Your LetterStarting at $9 · Takes 2 minutes · No lawyer needed