Claude Prompt: Time-Limited Policy-Limits Demand Letter with Validity Checklist
Drafts a time-limited policy-limits demand that can be accepted exactly as written, and checks every term against the governing statute or case text you paste in. It states no state requirement or bad-faith standard on its own.
The Prompt
Variables (9)
| Variable | Description | Example |
|---|---|---|
| {{client_name}} | Client Name | Maria Gonzalez |
| {{insurer_adjuster_claim_insured}} | Insurer, Adjuster, Claim Number and Insured | Northfield Mutual Insurance Co.; adjuster Daniel Reyes; claim no. 24-118-55731; insured Kevin Holt |
| {{policy_limits_amount}} | Policy Limits Amount (USD) | 100000 |
| {{acceptance_deadline}} | Acceptance Deadline | 2026-11-16 |
| {{release_acceptance_payment_terms}} | Release, Acceptance and Payment Terms | Release of Kevin Holt only, limited to bodily injury claims. Acceptance by written notice received at our office by 5:00 p.m. on the deadline. Payment by check payable to the firm trust account and the claimant within 20 days of acceptance. |
| {{governing_authority}} | Governing Statute or Case Text | Full text of the statute section or the passages of the controlling opinion that set the requirements for a time-limited demand in your state, with citation. |
| {{liability_facts}} | Liability Facts and Evidence | Police report narrative (p. 2), citation issued to the insured for failure to yield, two witness statements dated 03/14/2026, intersection camera stills. |
| {{damages_summary}} | Damages Summary, Bills and Records | Itemized medical bills by provider with dates and amounts, wage loss letter from employer, operative report excerpt, future care estimate from treating surgeon. |
| {{enclosures}} | Documents to Be Enclosed | 1. Police report. 2. Medical bills (Exhibits A-F). 3. Medical records. 4. Wage verification. 5. Photographs. |
Expected Output
An analysis block; Part 1, attorney-only notes (requirements checklist, damages arithmetic with items set aside and do-not-send enclosures, documented damages versus limits, conflicts between sources, unsupported statements declined, declined requests, Missing information); Part 2, a clean time-limited policy-limits demand letter with liability summary, itemized damages total, the acceptance terms exactly as supplied and the enclosure list; and a closing Verification list.
Usage Notes
Use when you have decided to make a time-limited demand. Paste the actual text of the statute or controlling case for your state, the liability evidence and the damages documents. Part 1 is for the file; only Part 2 is meant to leave the office. Failure mode to watch for: a demand that omits or misstates a requirement of your state's rule, a bill that is unrelated or pre-incident left in the itemized damages, or a term the model added to your offer; read the checklist against the authority yourself, read Part 1 before the letter, and confirm the deadline independently. Read the document part line by line before it leaves the office: in testing, a small model sometimes left an internal remark, a comparison with the file or an unresolved point inside the document despite the instructions. Not legal advice. The attorney remains responsible for verifying every fact, figure and authority before use.
Double-check before use
- Check that the letter contains no acceptance or payment term you did not supply. In testing, a payment term was once added that contradicted the quoted one.
- Check the enclosure list against the documents the letter relies on.
These are the places where this prompt was seen to slip when tested on sample cases with a small AI model.
Legal Sources Referenced
- Fed. R. Evid. 408 (offers and statements made in compromise negotiations are not admissible to prove or disprove the validity or amount of a disputed claim)
Originally featured in: AI for Personal Injury Lawyers: Prompts for Demand Letters, Medical Summaries & Depositions
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* These prompts are drafting and analysis aids for licensed attorneys. They are not legal advice and do not replace professional judgment. AI output can contain errors, including invented citations and incorrect deadlines: verify every fact, figure, authority and deadline against primary sources before relying on it. Rules vary by jurisdiction, and you remain responsible for the final work product.