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an insurance company demand letter request money from an insurance company for a claim due to personal or property damage its commonly used to notify an insurer that an individual under their policy is at fault for an incident and responsible for the damages in this video well review information about insurance company demand letters and their importance as well as where to get an official template filing an insurance claim can seem like a daunting process however understanding the types of claims and how to send the demand letter can alleviate that therefore lets begin by reviewing the two types of insurance claims property damage any type of monetary damages to real or personal property caused by negligence purposeful acts and acts of nature and personal injury damages to the body or mind of an individual that caused him or her to incur medical bills loss of income or punitive damages note that while property damages can be sought immediately personal injury claims must be filed