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hi my name is Ron Miller Im a personal injury lawyer in Maryland who regularly handles motor vehicle accident cases I have literally written a book on how to maximize the settlement value of car accident cases you probably should not be handling your own car accident case you definitely shouldnt be healing your own if you have a serious injury but if you have a soft tissue type injury and youre intent on avoid attorneys fees which admittedly are a lot of money I want to give you some thoughts on how to read demand letter the insurance company before you write the demand the first thing you have to do is request all of your medical bills and records dont think insurance can be do it for you do it yourself document your lost wages with a note from your employer and put it all into a neat package to the insurance company the demand letter should include an index package that chronologically orders the records which should be in a letter itself you know I summarized the medical records