During the course of your personal injury claim settlement negotiations, you're likely to have a number of phone conversations with someone from the other side—whether it's the other party, an insurance adjuster, or an attorney. With verbal communications like these, it's often important to follow up the conversation with a confirmation letter or email that puts in writing what was discussed or promised.
If you talk on the phone (or in person) with someone on the other side of your personal injury claim, and you're told or promised something—or given some information that you want to make sure isn't later denied or changed—it's probably a good idea to confirm in writing what was said. This includes statements or promises about:
Basically, if you have any inkling at all that you'd like to preserve a record of what was said, immediately after the conversation you should send a confirming letter. The letter doesn't have to be elaborate, just a brief restatement of what was said.
Yes. These days, the bulk of personal injury settlement negotiation might occur through emails sent back and forth by both sides. So, chances are that most information that's provided and most promises that are made will already be "in writing," in the sense that they're preserved in your email system. There's no need to send a separate confirmation in these situations. Just make sure you don't delete any emails related to your claim.
When settlement-related phone conversations take place, it's fine to send an email (as opposed to a "snail mail" letter) confirming what was conveyed or what was promised. You can do this all in the body of the email, or you can write a more formal confirmation letter using Word, Google Docs, or a similar program, then convert the file it to a more permanent format like PDF, and send it as an attachment to an email.
If you're sending a letter that you've typed out, or one you've written and printed using a program like Word or Google Docs, be sure to keep a hard copy for yourself or keep track of the digital file's location. If you're using traditional mail to send the confirmation letter, there's no need to send it certified or do anything other than put proper postage on the envelope. If you're sending the confirmation via email, it'll be preserved in your "Sent" folder.
To help you get an idea of what this kind of correspondence might look like, a sample confirming letter is shown below. You can follow this format for almost any important (or seemingly important) piece of information to make sure that it's part of the "paper trail" in your personal injury claim.
Paula Thompson
23 Broadway
Anytown, Anystate 12345
[email protected]
January 2, 20xx
SENT VIA EMAIL
Mr. Clarence Smolten
Claims Adjuster
Do Right Insurance Company
Anytown, Anystate 54321
[email protected]
Re: Claimant: Paula Thompson
Insured: Rocky Polletto
Claim No. 3244949Kl00
Date of Loss: September 9, 20xx
Dear Mr. Smolten:
This letter (sent to your email address as an attachment) is to confirm our telephone discussion of January 2, 20xx in which you informed me that you would be making me an offer of settlement on behalf of the Do Right Insurance Company no later than January 15, 20xx.
I look forward to hearing from you. Thank you for your attention to this matter.
Sincerely yours,
[signature]
Paula Thompson
This sample letter is excerpted from How to Win Your Personal Injury Claim by Attorney Joseph Matthews (Nolo).