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Insurance Dispute Letter Template
How to formally dispute your insurer's liability decision after a car accident — what to include, your legal rights, and a free letter generator.
← All Letter Templates · Car Accident · Last updated 18 August 2026
This is free rights guidance, not legal advice. For advice specific to your situation, see our About page or contact Citizens Advice.
If you need to formally dispute your insurer's liability decision after a car accident, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong insurance dispute letter should include, plus a free tool to generate yours.
What this letter needs to cover
- Set out the facts of the accident clearly
- State why the liability decision is disputed and what evidence supports the writer's account
- Request a review of the decision and a written response
- Note right to escalate to the Financial Ombudsman Service
- Do NOT mention personal injury, compensation figures or injury claims
See our full letter template library for related templates, or use our free checkers for guidance specific to your situation.
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