Letter to an Insurer about motor accident debt: Disputing the amount claimed

Important: This letter can be used as a guide. You must insert your own details where appropriate and delete any information that is not relevant to your situation. Always date your letters. Always keep a copy of the letter you send. Get legal advice if you do not understand.

Warning: This letter is information only and should not be relied upon as legal advice.

[Insert date here]

Insurance company

Address

Dear Sir/Madam,

Re: Accident on __ / __ / __

I refer to your letter dated __ / __ / __.

I wish to dispute the amount being claimed as it appears to be excessive.

Please provide a copy of the repair invoice detailing the repairs made.

I assume you will not take any further action while I am waiting for the requested further information. I also assume that I will have 14 days to review the invoice once it has been provided. If this assumption is not correct please advise me in writing immediately.*

I look forward to your response in writing.

Yours faithfully,

____________________
[Full name]

[Insert your contact details]

*When you get a reply, review the further information carefully. If you still believe it is excessive then you need to say why and provide evidence, if possible (e.g. another quote). You may want to request that the amount of repairs be reviewed by the Internal Dispute Resolution process at the Insurance company.

*REMEMBER: If you are arguing that the amount claimed is too much, this means you still owe some of it. Be prepared to pay, or start paying, the amount you know you owe.