What is claim Letter? Definition: A persuasive letter sent by a customer to a business or agency to identify a problem with a product or service.

Also known as a letter of complaint. Typically, a claim letter opens (and sometimes closes) with a request for adjustment, such as a refund, replacement, or payment for damages. A reply to a claim letter is called an adjustment against claim letter.

How to Write an Insurance Claim

ost of us take out insurance for many things in our lives! car insurance, home and contents insurance, travel insurance, medical insurance, for instance. "n the unfortunate circumstance that you will actually need to make claim for stolen goods or medical services, it is important to know what your insurance entitles you to, and how to go about making your insurance claim. #ou will need to read your contract carefully $ or speak to your insurance company $ to find out just what they require to accept a claim.

Observations and

ethods:

ain !lements of a Claim Letter:

%&ur claim letter should generally contain the following four elements! ')A clear e(planation of what has gone wrong. )ive full information for quick identification of the defective product or faulty service. "n the case of a product, details such as the e(act date of purchase and arrival, the amount paid, order number, color, si*e, model number, make, etc. are helpful in making a re$check by the supplier easier.

+) A statement of the inconvenience caused or the loss suffered as a result of the mistake or defect. ,) An appeal to the reader-s sense of fair play, honesty, reputation or professional pride with a view to motivating him to take necessary action promptly to rectify the situation. .) A statement of what adjustment you would consider fair. To secure a prompt and satisfactory response a claim letter is usually written to the head of the unit or the department responsible for the mistake.%

% ake your claim accurately and tactfully. Assume in your letter that your claim will be granted and that the other firm will attempt to make a satisfactory adjustment. Avoid threats, accusations, or veiled hints about what you will do if the matter isn-t solved promptly. %"f possible, address your claim to a specific person in the company . . ..%

%Anybody can find fault, but few persons can make a claim in clear, unmistakable language even when they have the best of reasons for doing so. A bungling claim letter is likely to be given little consideration. A well written claim letter ! ')/hould state precisely what is wrong +)should make tracing easy by referring to definite dates, invoice numbers, etc. ,)/hould state what remedy, or adjustment, is desired .)should be addressed to the person, or company, responsible for the damage or omission%

How to write effective claim letter:

At the beginning of your letter, indicate that you are making a claim and specify the type of claim you are making (e.g., an insurance claim). /tate the policy number, if applicable. 0escribe the specific circumstances or details of the claim (for e(ample, that a product is defective or the details of an accident). )ive all relevant facts concerning the claim.

"ndicate the dollar amount you are claiming or what action you would like the reader to take and the date by which you e(pect the action to be taken.

1efer to any documents you are including with your letter, including claim forms, repair estimates, warranty, or records or receipts. Ask if there is any other information or documents or forms you need to send.

"f you are using some of the enclosed documents as evidence to substantiate your claim, specifically mention the content of the documents and illustrate how they support your claim.

"ndicate by when you would like to receive a reply to your letter and include contact information that will allow the person to easily reach you.

#ou may want to thank the reader for his2her (anticipated) help before ending your letter.

" claim could be of man# $inds:

'. 3ar insurance claim +. 4ealth insurance claim ,. 5ife insurance claim .. 3laim against 0amage goods 6. 3laim against fire 7. Accidental claim 8. 3ompensatory claim 9. 0eposit refund claim :. 1etrenchment reimbursement claim

%. Health insurance claim

Date Name Insurance Company name Address City, State and ZIP Code Re: Patient's Name Type of Coverage Group num er!Po"icy num er Dear Name of contact person at insurance company, Please accept this letter as patient's name appeal to insurance company name decision to deny coverage for state t#e name of t#e specific procedure denied. It is my understanding based on your letter of denial dated insert date that this procedure has been denied because: $uote t#e specific reason for t#e denia" stated in denia" "etter% As you know, patient's name was diagnosed with disease on date. urrently Dr. namebelieves that patient's name will significantly benefit from state procedure name. Please see the enclosed letter from Dr. name that discusses patient's name medical history in more detail. Patient's name believes that you did not have all the necessary information at the time of your initial review. Patient's name has also included with this letter, a letter from Dr.name from name of treating faci"ity. Dr. name is a specialist in name of specia"ty%&is!&er letter discusses the procedure in more detail. Also included are medical records and several !ournal articles e"plaining the procedure and the results. #ased on this information, patient's name is asking that you reconsider your previous decision and allow coverage for the procedure Dr. name outlines in his letter. $he treatment is scheduled to begin on date. %hould you re&uire additional information, please do not hesitate to contact patient's name at p#one num er% Patient's name will look forward to hearing from you in the near future. %incerely, 'our name

(% Accidenta" c"aim
;#our <ame= ;3ompany <ame= ;Address= ;3ity, /tate, >ip= ;0ate of 5etter= ;1ecipient-s <ame= ;Title= ;3ompany <ame= ;Address= ;3ity, /tate, >ip= 0ear ;1ecipient-s name=,

This letter is being written to let you know that a claim was submitted against you for damages due to the accident that is found below. " believe that you or your representatives are to be held liable.
Accident description! Accident 0ate! Time of 0ay! 5ocation! ?lease have your insurance agent or attorney contact me immediately in order to reach a solution as quickly as possible. #ou can reach me at my work phone number (@@@)@@@$@@@@. /incerely, ;/ign here= ;#our <ame, Title=

&. Car claim letter

Arom #our name #our Address #our 3ity state, *ip #our ?hone number, #our Bmail 0ate To, <ame ?osition, 0epartment &ffice address, 3ity, /tate, >ip. 0ear /ir, This is regarding the insurance claim for my car. CCCCCCCCCCCC. y policy number is

The details of the accident are as given below! " parked my vehicle in the parking area at my office. Dnfortunately a delivery truck tried to park between two cars and hit my car from behind. The body from behind got smashed. Ehen " reali*ed " immediately contacted your customer care and gave the details. " checked all my "nsurance papers and reali*ed that " am eligible for a claim of CCCCCCCCCCCC .#our 3ompany sent a representative and filed the report and they told that they will call me soon regarding the insurance and will get the feedback from the company at the earliest. " would like to bring to your notice that " didnFt get any correspondence from the company yet in spite of my reminders for last ten days. Gindly look into it and e(pecting a positive response at the earliest. Thanking you

'. (am)le claim letter for damage goods

0ate <ame AH3 3ompany 3ity, pin 0ear r.or rs .!

" am sorry, but the *oods " purchased of you on Date of +urchase for "mount is not giving the service " feel a *oodsof this quality and price should give. "n the two months " have had it, " have not given the *oods severe or unusual, but already away above the *oods. "f " were in Cit# ,ame, " would be glad to bring the *oods in for your inspection. That being impossible, " am sending it to your under another cover. Ehen you see it, " believe you will feel as " do I that the cost is not up to your standard. As " like this model and feel that this *oods has been an e(ception, " would be interested in securing another one, provided you are able to make me a sufficiently attractive allowance. #our truly, J#>

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