[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Defendant's Name] [Defendant's Address] [City, State, ZIP] Subject: Repayment of Unearned Premiums Dear [Defendant's Name], I hope this letter finds you well. My name is [Your Name], and I am writing to discuss an important matter regarding the repayment of unearned premiums relating to a policy you held with [Insurance Company Name]. As per the terms stated in the policy agreement, it has come to our attention that you are entitled to receive a refund for unearned premiums. South Dakota state law requires insurance companies to refund any premiums paid in advance for coverage that was cancelled before the expiration date. In accordance with these regulations, I am hereby requesting the repayment of unearned premiums owed to you. To facilitate the repayment process, please find enclosed the necessary documents, including copies of relevant insurance policy documents and proof of payment. It is essential that you review these documents to ensure accuracy and entitlement to the refund. Upon receipt of this letter, [Insurance Company Name] will initiate the necessary investigations and calculations to determine the exact amount of unearned premiums to be refunded to you. Once this has been assessed, a detailed breakdown of the refund will be provided to you. Please note that, per South Dakota state law, insurance companies are required to process refunds within a reasonable timeframe. Should you have any concerns or inquiries regarding the repayment process or refund calculation, kindly contact [Insurance Company Name] at [Insurance Company Phone Number] or [Insurance Company Email Address]. Our dedicated customer service representatives will be pleased to assist you with your queries. We understand the importance of prompt resolution, and assure you that [Insurance Company Name] is committed to processing your refund as quickly as possible. Your cooperation in providing any additional information required is greatly appreciated. Thank you for your attention to this matter. We aim to make this refund process as efficient and hassle-free as possible. Should you have any further questions or concerns, please do not hesitate to contact us at [Your Phone Number] or [Your Email Address]. We hope for a prompt resolution and look forward to facilitating the repayment of your unearned premiums. Sincerely, [Your Name] [Job Title] [Insurance Company Name] Enclosures: 1. Copy of insurance policy documents 2. Proof of payment documentation.