The first step in filing an insurance claim is letting those individuals or parties who you believe to be responsible for your injuries know that you intend to file a claim. This takes the form of a simple typed letter sent to each person or party concerned that informs them that an injury and accident occurred on such-and-such a date and that we are planning to file an insurance claim related to it.
We will also indicate that we expect a response from them acknowledging that our letter was received. In the case of a car wreck, recipients of letters of notification would include the other driver’s insurance company, the person who owns the vehicle (if different from the driver), and your own insurance company. We won’t give more details than necessary; just a simple notification.
Keep in mind that sending a letter of notification isn’t the same as formally alleging that a recipient is responsible for your accident. The point of such a letter is to give all possible parties concerned a “heads up” that an accident occurred and that you are planning to file a claim related to it.