Your letter should include a concise factual summary of the accident, an overview of your damages, your settlement demand, and not much more. The demand letter should include a description of the accident.How do I fill out the claim form? Find out what to do when the atfault driver wants to pay outofpocket and how to settle without filing an insurance claim. A letter from your employer to verify that you missed work because of your injuries. Write a brief account of the auto accident and refer to any notes you have, police reports, relevant laws, or any other records. Your letter should include a concise factual summary of the accident, an overview of your damages, your settlement demand, and not much more. Find out what to do when the atfault driver wants to pay outofpocket and how to settle without filing an insurance claim. It is illegal to drive any motor vehicle without insurance or other proof of financial responsibility (FR).