The letter further needs to discuss the liability of the accident (the fault of the insured) and a settlement demand. A letter from your employer to verify that you missed work because of your injuries.Minnesota is a no-fault state, which means that insurance companies are who pays for vehicle damage after a car accident. Your letter should include a concise factual summary of the accident, an overview of your damages, your settlement demand, and not much more. This is true for a bodily injury claim in a car accident case, a slip and fall injury claim, or any other personal injury case. If the police responded to the scene, they will fill out this form on your behalf. Standards for automobile insurance claims handling, settlement offers, and agreements. If you are in a car accident in Minneapolis, you can request a copy of the accident report. The AAA encourages the parties to communicate and come to a settlement if they are able.