Insurance Settlement Dispute Letter Template

When your insurance company offers a total loss settlement that falls short of your vehicle's fair market value, a formal written dispute can prompt a re-evaluation. This letter template provides the professional framework you need to request reconsideration while presenting your comparable vehicle evidence.

Use this template after you have gathered comparable vehicle listings that support a higher valuation than the insurance company's initial offer. Simply replace the bracketed placeholders with your specific information before sending.

---

Letter Template Test

[Your Name]
[Your Address]
[City, State ZIP Code]
[Phone Number]
[Email Address]

[Date]

[Adjuster's Name]
[Insurance Company Name]
[Adjuster's Address]
[City, State ZIP Code]

Subject: Request for Re-Evaluation of Total Loss Valuation — Claim #[Claim Number], [Vehicle Year, Make, and Model]

Dear [Adjuster's Name],

I am writing in response to your recent valuation of my vehicle, a [Year Make Model], which was declared a total loss following the collision on [Date of Incident]. After reviewing the settlement offer of $[Initial Valuation], I must respectfully decline it, as this amount does not accurately reflect the fair market value of my vehicle prior to the loss.

Based on my research of comparable vehicles currently available in our region, I have found several listings that indicate a fair replacement value closer to $[Counteroffer Amount]. I have attached supporting documentation containing these comparable listings, all of which reflect similar mileage, condition, and model specifications to my vehicle, located in my area.

Given this information, I am requesting a formal re-evaluation of your initial offer. I believe that an adjustment to the settlement amount, in line with the attached market evidence, would more accurately reflect the fair replacement cost of my vehicle.

If the company is unwilling to reconsider the valuation at this stage, I will engage an independent adjuster to obtain an impartial assessment of the vehicle's fair market value and proceed accordingly. However, I trust we can resolve this matter directly and efficiently.

Please confirm receipt of this letter and advise on the next steps in the re-evaluation process. I look forward to your prompt response within [reasonable timeframe, e.g., 5–7 business days].

Sincerely,

[Your Full Name]
[Claim Number]
[Vehicle Year, Make, Model, and VIN (optional)]

---

Placeholder Reference

Placeholder	What to Enter
[Your Name]	Your full legal name
[Your Address]	Your street address
[City, State ZIP Code]	Your city, state, and ZIP
[Phone Number]	Your contact phone number
[Email Address]	Your email address
[Date]	The date you send the letter
[Adjuster's Name]	The name of your claims adjuster
[Insurance Company Name]	Your insurance company
[Adjuster's Address]	The adjuster's mailing address
[Claim Number]	Your claim reference number
[Vehicle Year, Make, and Model]	Example: 2021 Honda Accord EX-L
[Date of Incident]	The date of the accident
[Initial Valuation]	The settlement amount offered
[Counteroffer Amount]	Your requested settlement amount
[reasonable timeframe]	Suggested: 5–7 business days
[VIN]	Your vehicle identification number

---

This article was created with the assistance of AI to provide helpful information on this topic.