Sample: Written Response in Automobile Case with Questionable Damages

Dear Mr. Adjuster:

This will acknowledge our telephone conversation of March 12, 1999 regarding possible settlement of this case. Your offer of $7,500 in response to our $22,000 demand has been communicated to my client.

You have indicated that the damages in this case are speculative as they are based upon chiropractic bills and loss of self employment income. I am well aware that insurance carriers do not place chiropractors in the same light as orthopedic specialists. However, the general public believes in chiropractors, the legislature of this state has recognized chiropractics in its workers' compensation statute, and the license boards of this state recognize the chiropractors who will testify in this case. Furthermore, the probability of one or more jury members having been treated by a chiropractor is quite significant.

Secondly, our client is a credible and honest man...