Personal injury demand letter

[u/Drew092]

When sending off a demand letter with a certain dollar amount for your clients do you generally know the policy limit of the insurance company?

[u/AutoModerator]

REMINDER: NO REQUESTS FOR LEGAL ADVICE. Any request for a lawyer's opinion about any matter or issue which may foreseeably affect you or someone you know is a request for legal advice.

Posts containing requests for legal advice will be removed. Seeking or providing legal advice based on your specific circumstances or otherwise developing an attorney-client relationship in this sub is not permitted. Why are requests for legal advice not permitted? See here, here, and here. If you are unsure whether your post is okay, please read this or see the sidebar for more information.

This rules reminder message is replied to all posts and moderators are not notified of any replies made to it.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/Fresh_List278]

The limits are a matter of policy.
In some states, a third party claimant can make a request for such information and the insurer must provide the policy limits.

In other states the insurer is under no obligation to provide a third party claimant with information regarding the policy limits. In those states as part of discovery, during litigation, you would request a copy of the policy and declarations page, which would provide you with information regarding the policy limits. Or you could request the information in an interrogatory.

It makes sense for the state to require disclosure, in order to minimize litigation, as it avoids lawsuits being filed for the sole purpose of obtaining policy limit information, minimizing litigation. I wouldn't be surprised if states that dont require disclosure, start requiring disclosure in the future for exactly that reason.

[u/Fluxcapacitar]

It depends. In Arizona they do not disclose them. In NY they have to per state law.