California Time-Limited Demand Letters (SB 1155)
Table of Contents
A demand letter is one of the most powerful tools in a California personal injury case. When prepared and served correctly, it can trigger settlement negotiations, expose insurance companies to serious bad-faith penalties, and speed up compensation for injured victims.
In 2023, California Senate Bill 1155 significantly changed how time-limited demand letters work by requiring insurers to publish official contact information for receiving these demands under California Code of Civil Procedure §999.2.
Below, we explain how demand letters work, how SB 1155 affects injury claims, and where time-limited demands must now be sent.
What Is a Demand Letter in a Personal Injury Case?
A demand letter is a formal written request sent to an insurance company asking for compensation after an accident. It outlines:
- How the accident happened
- Why the insured is legally responsible
- The injuries suffered
- Medical treatment received
- Lost wages and future damages
- The amount of money demanded to settle the claim
Demand letters are typically sent after medical treatment stabilizes, when damages can be fully evaluated.
What Is a Time-Limited Demand?
A time-limited demand gives the insurance company a strict deadline to accept a settlement offer. If the insurer unreasonably refuses or ignores the deadline, it can later face bad-faith liability if a jury verdict exceeds policy limits.
Time-limited demands are especially important in:
- Serious injury cases
- Wrongful death claims
- Commercial and rideshare crashes
- High-policy-limit cases
What Is Senate Bill 1155 (CCP §999–999.5)?
Senate Bill 1155 was passed to eliminate one of the most common games insurers played—claiming they never received a time-limited demand or that it was sent to the “wrong department.”
Under CCP §999.2, insurers are now legally required to:
- Designate official contact information for time-limited demands
- Accept these demands at those locations
- Publish this information publicly
This law ensures accountability and prevents technical denials based on delivery issues.
Statutory Requirements for California Time-Limited Demands
(Code of Civil Procedure §§ 999–999.5)
The following provisions are reproduced verbatim from Chapter 3.2 of the California Code of Civil Procedure, governing time-limited demands.
§ 999 — Legislative Findings & Definitions
a) It is declared to be the public policy of the State of California that prompt settlements of civil actions and claims are encouraged as beneficial to claimants, policyholders, and insurers.
(b) For purposes of this section, the following definitions apply:
(1) “Extracontractual damages” means any amount of damage that exceeds the total available limit of liability insurance for all of a liability insurer’s liability insurance policies applicable to a claim for property damage, personal injury, bodily injury, or wrongful death.
(2) “Time-limited demand” means an offer prior to the filing of the complaint or demand for arbitration to settle any cause of action or a claim for personal injury, property damage, bodily injury, or wrongful death made by or on behalf of a claimant to a tortfeasor with a liability insurance policy for purposes of settling the claim against the tortfeasor within the insurer’s limit of liability insurance, which by its terms must be accepted within a specified period of time.
(Added by Stats. 2022, Ch. 719, Sec. 1. (SB 1155), effective January 1, 2023.)
§ 999.1 — Required Contents of a Time-Limited Demand
A time-limited demand to settle any claim shall be in writing, be labeled as a time-limited demand or reference this section, and contain material terms, which include the following:
(a) The time period within which the demand must be accepted shall be not fewer than 30 days from date of transmission of the demand, if transmission is by email, facsimile, or certified mail, or not fewer than 33 days, if transmission is by mail.
(b) A clear and unequivocal offer to settle all claims within policy limits, including the satisfaction of all liens.
(c) An offer for a complete release from the claimant for the liability insurer’s insureds from all present and future liability for the occurrence.
(d) The date and location of the loss.
(e) The claim number, if known.
(f) A description of all known injuries sustained by the claimant.
(g) Reasonable proof, which may include, if applicable, medical records or bills, sufficient to support the claim.
(Added by Stats. 2022, Ch. 719, Sec. 1. (SB 1155), effective January 1, 2023.)
§ 999.2 — Delivery of Time-Limited Demands & Insurer Contact Information
(a) A claimant shall send their time-limited demand to either of the following:
(1) The email address or physical address designated by the liability insurer for receipt of time-limited demands for purposes of this chapter, if an address has been provided by the liability insurer to the Department of Insurance and the Department of Insurance has made the address publicly available.
(2) The insurance representative assigned to handle the claim, if known.
(b) To implement this section, the Department of Insurance shall post on its internet website the email address or physical address designated by a liability insurer for receipt of time-limited demands for purposes of this chapter.
(c) An act by the Department of Insurance pursuant to this section is a discretionary act for purposes of Section 820.2 of the Government Code.
(Added by Stats. 2022, Ch. 719, Sec. 1. (SB 1155), effective January 1, 2023.)
§ 999.3 — Acceptance, Requests for Information, and Insurer Response
(a) The recipients of a time-limited demand may accept the demand by providing written acceptance of the material terms outlined in Section 999.1 in their entirety.
(b) Upon receipt of a time-limited demand, an attempt to seek clarification or additional information or a request for an extension due to the need for further information or investigation, made during the time within which to accept a time-limited demand, shall not, in and of itself, be deemed a counteroffer or rejection of the demand.
(c) If, for any reason, an insurer does not accept a time-limited demand, the insurer shall notify the claimant, in writing, of its decision and the basis for its decision. This notification shall be sent prior to the expiration of the time-limited demand, including any extension agreed to by the parties, and shall be relevant in any lawsuit alleging extracontractual damages against the tortfeasor’s liability insurer.
(Added by Stats. 2022, Ch. 719, Sec. 1. (SB 1155), effective January 1, 2023.)
§ 999.4 — Effect of Non-Compliance
(a) In any lawsuit filed by a claimant, or by a claimant as an assignee of the tortfeasor or by the tortfeasor for the benefit of the claimant, a time-limited demand that does not substantially comply with the terms of this chapter shall not be considered to be a reasonable offer to settle the claims against the tortfeasor for an amount within the insurance policy limits for purposes of any lawsuit alleging extracontractual damages against the tortfeasor’s liability insurer.
(b) This section shall not apply to a claimant that is not represented by counsel.
(c) In the event a court determines that this chapter conflicts with the Civil Discovery Act (Title 4 (commencing with Section 2016.010) of Part 4), the Civil Discovery Act shall prevail.
(Added by Stats. 2022, Ch. 719, Sec. 1. (SB 1155), effective January 1, 2023.)
§ 999.5 — Scope & Applicability
(a) This chapter shall only apply to causes of action and claims covered under automobile, motor vehicle, homeowner, or commercial premises liability insurance policies for property damage, personal or bodily injury, and wrongful death claims.
(b) Except as provided in this chapter, nothing shall alter existing law, including law relating to claims, damages, and defenses, that may be asserted in litigation seeking extracontractual damages.
(c) This chapter shall apply to time-limited demands transmitted on or after January 1, 2023.
(Added by Stats. 2022, Ch. 719, Sec. 1. (SB 1155), effective January 1, 2023.)
Why Demand Letters Should Be Handled by an Attorney
Insurance companies scrutinize demand letters for technical flaws. Even one missing detail can be used to:
- Delay settlement
- Justify low offers
- Avoid bad-faith exposure
- Push the case toward litigation
At El Dabe Ritter Trial Lawyers, we structure demands to maximize leverage, meet statutory requirements, and position your case for full compensation.
SB 1155 — Insurer Contact Information for Time-Limited Demands
21st Century Casualty Co.
Designated Email Address: myclaim@21st.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
21st Century Centennial Insurance Co.
Designated Email Address: myclaim@21st.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
21st Century Insurance Co.
Designated Email Address: myclaim@21st.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
21st Century North America Insurance Co.
Designated Email Address: myclaim@21st.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
21st Century Premier Insurance Co.
Designated Email Address: myclaim@21st.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Alaska National Insurance Co.
Designated Email Address: pcdemands@copperpoint.com
Designated Physical Address: None
Alea North America Insurance Co.
Designated Email Address: TLDMailbox@catalinare.com
Designated Physical Address: None
Alliance United Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Allied Insurance Co. of America
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Allied Property & Casualty Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
AMCO Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
American Casualty Company of Reading Pennsylvania
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
American Empire Insurance Company
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
American Equity Specialty Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
American Family Connect
Designated Email Address: claimdocuments@afics.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
American Family Home Insurance Co.
Designated Email Address: tldcalifornia@amig.com
Designated Physical Address: None
American Family Insurance Group
Designated Email Address: claimdocuments@afics.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
American Family Life Insurance Co.
Designated Email Address: claimdocuments@afics.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
American Modern Home Insurance Co.
Designated Email Address: tldcalifornia@amig.com
Designated Physical Address: None
American Modern Property and Casualty Insurance Co.
Designated Email Address: tldcalifornia@amig.com
Designated Physical Address: None
American National General Insurance Co.
Designated Email Address: claimsmail@americannational.com
Designated Physical Address: None
American National Property and Casualty Co.
Designated Email Address: claimsmail@americannational.com
Designated Physical Address: None
American Reliable Insurance Co.
Designated Email Address: Claims@gbli.com
Designated Physical Address: None
American Southern Home Insurance Co.
Designated Email Address: tldcalifornia@amig.com
Designated Physical Address: None
American Western Home Insurance Co.
Designated Email Address: tldcalifornia@amig.com
Designated Physical Address: None
Amerisure Insurance Co.
Designated Email Address: statemail@amerisure.com
Designated Physical Address:
Legal Department
Attention: Claims
26777 Halsted Road
Farmington Hills, MI 48331
Amerisure Mutual Insurance Co.
Designated Email Address: statemail@amerisure.com
Designated Physical Address:
Legal Department
Attention: Claims
26777 Halsted Road
Farmington Hills, MI 48331
Amerisure PartnersInsurance Co.
Designated Email Address: statemail@amerisure.com
Designated Physical Address:
Legal Department
Attention: Claims
26777 Halsted Road
Farmington Hills, MI 48331
Amica Mutual Insurance Co.
Designated Email Address: demands@amica.com
Designated Physical Address: P.O. Box 9690, Providence, RI 02940
AmTrust Financial Services, Inc.
Designated Email Address: AmTrustTLD_CA@amtrustgroup.com
Designated Physical Address: None
Anchor General Insurance Co.
Designated Email Address: demands@anchorgeneral.com
Designated Physical Address: None
Arch Insurance Group, Inc.
Designated Email Address: CATimeLimitDemands@archinsurance.com
Designated Physical Address: None
ASI Select Insurance Corp.
Designated Email Address: litigationclaimsupport@asicorp.org
Designated Physical Address: None
Aspire General Insurance Co.
Designated Email Address: claims@agicins.com
Designated Physical Address: P.O. Box 870, Rancho Cucamonga, CA 91729
Assurance America Insurance Co.
Designated Email Address: Claims@aainsco.com
Designated Physical Address: None
AXA XL Group
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
Beazley Insurance Company, Inc.
Designated Email Address: Claims@beazley.com
Designated Physical Address: 30 Batterson Park Road, Farmington, CT 06032
Berkshire Hathaway Specialty Insurance Co.
Designated Email Address: Demands@bhspecialty.com
Designated Physical Address: None
BITCO General Insurance Corp.
Designated Email Address: Lori.paulus@bitco.com
Designated Physical Address:
Lori S. Paulus
3700 Market Square Circle
Davenport, IA 52807
BITCO National Insurance Co.
Designated Email Address: Lori.paulus@bitco.com
Designated Physical Address:
Lori S. Paulus
3700 Market Square Circle
Davenport, IA 52807
California Automobile Assigned Risk Plan (CAARP)
Designated Email Address: claims@aipso.com
Designated Physical Address: 302 Central Avenue, Johnston, RI 02919
California Automobile Insurance Co.
Designated Email Address: claimsdemands@mercuryinsurance.com
Designated Physical Address: None
California Casualty Indemnity Exchange
Designated Email Address: myclaim@calcas.com
Designated Physical Address: None
California General Underwriters Insurance Co.
Designated Email Address: claimsdemands@mercuryinsurance.com
Designated Physical Address: None
CapSpecialty
Designated Email Address: CADemands@capscpecialty.com
Designated Physical Address: None
Catlin Insurance Co.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
Century Surety
Designated Email Address: timelimitdemand@ameritrustgroup.com
Designated Physical Address: None
Century‐National Insurance Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
Civic Property & Casualty Co.
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Civil Service Employees Insurance Company
Designated Email Address: TLDPLD@CSEINSURANCE.COM
Designated Physical Address: None
Clear Spring Property and Casualty Co.
Designated Email Address: info@clearspringinsurance.com
Designated Physical Address: None
ClearcoverInsurance Co.
Designated Email Address: claims@clearcover.com
Designated Physical Address: None
Coast National Insurance Co.
Designated Email Address: docs@bristolwest.com
Designated Physical Address: P.O. Box 258806, Oklahoma City, OK 73125‐8806
Columbia Casualty Company (a surplus lines carrier)
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
Company of Hartford
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
Continental Casualty Co.
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
Continental Insurance Co.
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
Crestbrook Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide Private Client
18700 N. Hayden Road, Suite 150
Scottsdale, AZ 85255‐6706
CSAA GIC Insurance Co.
Designated Email Address: DOI.Inquiries@csaa.com
Designated Physical Address: None
CSAA IE Insurance Co.
Designated Email Address: DOI.Inquiries@csaa.com
Designated Physical Address: None
CSE Safeguard Insurance Company
Designated Email Address: TLDPLD@CSEINSURANCE.COM
Designated Physical Address: None
Depositors Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Diamond State Insurance Co.
Designated Email Address: Claims@gbli.com
Designated Physical Address: None
Direct General Insurance Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
Discover Property & Casualty Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
EastGUARD Insurance Co.
Designated Email Address: claims@guard.com
Designated Physical Address: None
Economy Fire & Casualty Co.
Designated Email Address: usw_trexo_imaging@farmersinsurance.com
Designated Physical Address: P.O. Box 6040 – Claims, Scranton, PA 18505
EMC Property & Casualty Insurance Co.
Designated Email Address: claims@emcins.com
Designated Physical Address: None
Employers Mutual Casualty Co.
Designated Email Address: claims@emcins.com
Designated Physical Address: None
Esurance Property and Casualty Insurance Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
Exact Property & Casualty Co.
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Falcon Insurance Co.
Designated Email Address: None
Designated Physical Address: P.O. Box 3577, Oak Brook, ILL 60522
Farmers Direct Property & Casualty Insurance Co.
Designated Email Address: usw_trexo_imaging@farmersinsurance.com
Designated Physical Address: P.O. Box 6040 – Claims, Scranton, PA 18505
Farmers Group Property & Casualty Insurance Co.
Designated Email Address: usw_trexo_imaging@farmersinsurance.com
Designated Physical Address: P.O. Box 6040 – Claims, Scranton, PA 18505
Farmers New World Life
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Farmers Reinsurance Co.
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Farmers Specialty Insurance Co.
Designated Email Address: myclaim@foremost.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Farmers Workplace Solutions
Designated Email Address: usw_trexo_imaging@farmersinsurance.com
Designated Physical Address: P.O. Box 6040 – Claims, Scranton, PA 18505
FarmersInsurance Company of Oregon
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
FarmersInsurance Company, Inc.
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
FarmersInsurance Exchange Fire Insurance Exchange
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Farmington Casualty Company Fidelity and Guaranty Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Federated Mutual Insurance Co.
Designated Email Address: doimail@fedins.com
Designated Physical Address: None
Federated Service Insurance Co.
Designated Email Address: doimail@fedins.com
Designated Physical Address: None
Financial Indemnity Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Financial Pacific Insurance Co.
Designated Email Address: claimscontact@unitedfiregroup.com
Designated Physical Address:
UFG Insurance
Attn: Claims Department
118 Second Ave. SE
Cedar Rapids, IA 52401
First Acceptance Insurance Company, Inc.
Designated Email Address: existingclaims@acceptance.com
Designated Physical Address: 3813 Green Hills Village Drive, Nashville, TN 37215
Foremost Property & Casualty Insurance Company
Designated Email Address: myclaim@foremost.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Foremost Signature Insurance Co.
Designated Email Address: myclaim@foremost.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
ForemostInsurance Company Grand Rapids, Michigan
Designated Email Address: myclaim@foremost.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
FortressInsurance Co.
Designated Email Address: Sherry.richard@fortressins.com
Designated Physical Address: 425 N. Martingale Road, Suite 900, Schaumburg, IL 60173
Freedom Specialty Insurance Co.
Designated Email Address: SOPTRC@nationwide.com
Designated Physical Address: None
Garrison Property & Casualty Insurance Co.
Designated Email Address: None
Designated Physical Address:
Auto Injury Solutions
ATTN: USAA Medical Mail Dept.
P.O. Box 26001
Daphne, AL 36526‐5001
GEICO
Designated Email Address: CADemands@geico.com
Designated Physical Address: 14111 Danielson St., Poway, CA 92064
General Casualty Company of Wisconsin
Designated Email Address: claimmail@us.qbe.com
Designated Physical Address: 1 QBE Way, Sun Prairie, WI 53590
General Security Indemnity Company of Arizona
Designated Email Address: uspclegal@scor.com
Designated Physical Address: None
General Security National Insurance Co.
Designated Email Address: uspclegal@scor.com
Designated Physical Address: None
General Star Indemnity Company
Designated Email Address: Patricia.Villegas@generalstar.com
Designated Physical Address: None
General Star National Insurance Company
Designated Email Address: Patricia.Villegas@generalstar.com
Designated Physical Address: None
GenesisInsurance Company
Designated Email Address: Patricia.Villegas@generalstar.com
Designated Physical Address: None
Grange Insurance Association
Designated Email Address: claims@grange.com
Designated Physical Address: 200 Cedar St, Seattle, WA 98121
Great American Alliance Insurance Co
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Great American Assurance Company
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Great American Contemporary Insurance
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Great American Insurance Company
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Great American Insurance Company of New York
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Great American Protection Insurance Co
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Great American Security Insurance
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Great American SpiritInsurance Company
Designated Email Address: GAIG.Claim.Demands@gaig.com
Designated Physical Address: None
Greenwich Insurance Co.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
Harleysville Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
HDI Global Insurance Co.
Designated Email Address: newclaims@us.hdi.global
Designated Physical Address: None
HDI Specialty Insurance Co.
Designated Email Address: newclaims@us.hdi.global
Designated Physical Address: None
Homesite Insurance Co. of California
Designated Email Address: claimdocuments@afics.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
Homesite Insurance Co. of the Midwest
Designated Email Address: claimdocuments@afics.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
Indian HarborInsurance Co.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
Infinity Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Infinity Select Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Insurance Co.
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Integon National Insurance Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
Integon Preferred Insurance Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
Interinsurance Exchange ofthe Automobile Club
Designated Email Address: None
Designated Physical Address: P.O. Box 25210, Santa Ana, CA 92799
Jewelers Mutual Group
Designated Email Address: delliott@jminsure.com
Designated Physical Address: None
Kemper Financial Indemnity Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Kemper Independence Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Kinsale Insurance Co.
Designated Email Address: newclaimnotices@kinsaleins.com
Designated Physical Address: None
KnightBrook Insurance Co.
Designated Email Address: compliance@knightbrook.com
Designated Physical Address: 4751 Wilshire Blvd., Suite 111, Los Angeles, CA 90010
KW Specialty Insurance Co.
Designated Email Address: mmccolley@kwspecialty.com
Designated Physical Address: 14851 North Scottsdale Road, Suite 203, Scottsdale, AZ 85254
Lancer Insurance Company
Designated Email Address: LancerTLD@corespecialty.com
Designated Physical Address: None
Lemonade Insurance Co.
Designated Email Address: Blsupport@lemonade.com
Designated Physical Address: None
MerastarInsurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Mercer Insurance Co.
Designated Email Address: claimscontact@unitedfiregroup.com
Designated Physical Address:
UFG Insurance
Attn: Claims Department
118 Second Ave. SE
Cedar Rapids, IA 52401
Mercury Casualty Co.
Designated Email Address: claimsdemands@mercuryinsurance.com
Designated Physical Address: None
Mercury Insurance Co.
Designated Email Address: claimsdemands@mercuryinsurance.com
Designated Physical Address: None
Metromile Insurance Co.
Designated Email Address: claims@metromile.com
Designated Physical Address: None
MIC General Insurance Corp.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
Mid‐Century Insurance Co.
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Mid‐Continent Assurance Company Ohio
Designated Email Address: claims@mcg‐ins.com
Designated Physical Address: None
Mid‐Continent Casualty Company Ohio
Designated Email Address: claims@mcg‐ins.com
Designated Physical Address: None
Mid‐Continent Excess and Surplus Insurance Company
Designated Email Address: claims@mcg‐ins.com
Designated Physical Address: None
Midvale Indemnity Co.
Designated Email Address: claimdocuments@afics.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
Mitsui Sumitomo Insurance Company of America
Designated Email Address: Newloss@msigusa.com
Designated Physical Address: None
Mitsui Sumitomo Insurance USA Inc.
Designated Email Address: Newloss@msigusa.com
Designated Physical Address: None
Mobilitas General Insurance Co.
Designated Email Address: DOI.inquiries@mobilitasinsurance.com
Designated Physical Address: None
Mobilitas Insurance Co.
Designated Email Address: DOI.inquiries@mobilitasinsurance.com
Designated Physical Address: None
National American Insurance Company of California
Designated Email Address: TLDMailbox@catalinare.com
Designated Physical Address: None
National Casualty Co.
Designated Email Address: SOPTRC@nationwide.com
Designated Physical Address: None
National Farmers Union Property and Casualty Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
National Fire Insurance
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
National General Assurance Co
Designated Email Address: claims@ngic.com
Designated Physical Address: None
National General Insurance Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
National General Insurance Online, Inc.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
National General Premier Insurance Co.
Designated Email Address: claims@ngic.com
Designated Physical Address: None
National Interstate Insurance Co.
Designated Email Address: Internal.compliance@natl.com
Designated Physical Address: None
Nationwide Agribusiness Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Nationwide General Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Nationwide Insurance Company of America
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Nationwide Mutual Fire Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Nationwide Mutual Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Nationwide Property & Casualty Insurance Co.
Designated Email Address: None
Designated Physical Address:
Nationwide
1‐LC‐68
1 Nationwide Plaza
Columbus, OH 43215
Neighborhood Spirit Property & Casualty Co.
Designated Email Address: myclaim@farmersinsurance.com
Designated Physical Address: P.O. Box 268994, Oklahoma City, OK 73126‐8994
Next Insurance Co.
Designated Email Address:
Primary contact: Dewayne.m@next‐insurance.com
Secondary Contact: Chris.florence@next‐insurance.com John.w@next‐insurance.com
Designated Physical Address: None
North Pointe Insurance Co.
Designated Email Address: claimmail@us.qbe.com
Designated Physical Address: 1 QBE Way, Sun Prairie, WI 53590
Northland Casualty Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Northland Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Oklahoma Surety Company
Designated Email Address: claims@mcg‐ins.com
Designated Physical Address: None
OMS National Insurance
Designated Email Address: Kathy.ehmann@omsnic.com
Designated Physical Address: 425 N. Martingale Road, Suite 900, Schaumburg, IL 60173
Orion Indemnity Co.
Designated Email Address: claimsdemands@mercuryinsurance.com
Designated Physical Address: None
Pacific Property and Casualty Co.
Designated Email Address: claimsmail@americannational.com
Designated Physical Address: None
Pacific Specialty Insurance Co.
Designated Email Address: legal@pacificspecialty.com
Designated Physical Address: None
Pacific Star Insurance Co.
Designated Email Address: demands@anchorgeneral.com
Designated Physical Address: None
Palomar Specialty Insurance Co.
Designated Email Address: compliance@plmr.com
Designated Physical Address: None
Penn‐America Insurance Co.
Designated Email Address: Claims@gbli.com
Designated Physical Address: None
Permanent General Assurance Corporation
Designated Email Address: claims@thegeneral.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
PMA Companies
Designated Email Address: None
Designated Physical Address: P.O. Box 5231, Janesville, WI 53547‐ 5231
Praetorian Insurance Co.
Designated Email Address: claimmail@us.qbe.com
Designated Physical Address: 1 QBE Way, Sun Prairie, WI 53590
Privilege Underwriters Reciprocal Exchange
Designated Email Address:
Claims_Legal@pureinsurance.com
consumercomplaints@pureinsurance.com
IChamberlin@pureinsurance.com
Designated Physical Address:
Claims Department
6263 N Scottsdale Rd.
Scottsdale, AZ 85250
Pro Century
Designated Email Address: timelimitdemand@ameritrustgroup.com
Designated Physical Address: None
Property & Casualty Insurance Co.
Designated Email Address: claimdocuments@afics.com
Designated Physical Address: 6000 American Parkway, Madison, WI 53783
Protective Insurance Co.
Designated Email Address: doinotifications@protectiveinsurance.com
Designated Physical Address: None
QBE Insurance Corporation
Designated Email Address: claimmail@us.qbe.com
Designated Physical Address: 1 QBE Way, Sun Prairie, WI 53590
Qualitas Insurance Company
Designated Email Address: Demands@qualitasins.com
Designated Physical Address: None
Regent Insurance Co.
Designated Email Address: claimmail@us.qbe.com
Designated Physical Address: 1 QBE Way, Sun Prairie, WI 53590
Reliant General Insurance
Designated Email Address: RGCS@Reliantgeneral.com
Designated Physical Address: P.O. Box 459, Escondido, CA 92033‐ 0459
Residence Mutual Insurance Co.
Designated Email Address: claims@residencemutual.com
Designated Physical Address: None
Response Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Response Worldwide Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Safeway Insurance Co.
Designated Email Address: CAClaims@Safewayins.com
Designated Physical Address: 222 E. Huntington Drive, Suite 200, Monrovia, CA 91016
Scottsdale Indemnity Co.
Designated Email Address: SOPTRC@nationwide.com
Designated Physical Address: None
Scottsdale Insurance Co.
Designated Email Address: SOPTRC@nationwide.com
Designated Physical Address: None
Scottsdale Surplus Lines Insurance Co.
Designated Email Address: SOPTRC@nationwide.com
Designated Physical Address: None
Select Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Seneca Insurance Co.
Designated Email Address: fdonahue@senecainsurance.com
Designated Physical Address: 199 Water St., 29th Floor, New York, NY 10038
SPARTA Insurance Co.
Designated Email Address: TLDMailbox@catalinare.com
Designated Physical Address: None
St. Paul Fire and Marine Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
St. Paul Guardian Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
St. Paul Mercury Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
St. Paul Protective Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Star Insurance
Designated Email Address: timelimitdemand@ameritrustgroup.com
Designated Physical Address: None
StarStone National Insurance Company
Designated Email Address: StarStoneTLD@corespecialty.com
Designated Physical Address:
State Farm Fire & Casualty Co.
Designated Email Address: statefarmfireclaims@statefarm.com
Designated Physical Address: P.O. Box 106169, Atlanta, GA 30348‐ 6169
State Farm Mutual Automobile Insurance Co.
Designated Email Address: StateFarmClaims@StateFarm.com
Designated Physical Address: P.O. Box 106171, Atlanta, GA 30348‐ 6171
Stillwater Property and Casualty Insurance Co.
Designated Email Address: claims@stillwater.com
Designated Physical Address: 6800 Southpoint Parkway, Suite 700, Jacksonville, FL 32216
StillwaterInsurance Co.
Designated Email Address: claims@stillwater.com
Designated Physical Address: 6800 Southpoint Parkway, Suite 700, Jacksonville, FL 32216
Stonington Insurance Co.
Designated Email Address: claimmail@us.qbe.com
Designated Physical Address: 1 QBE Way, Sun Prairie, WI 53590
T.H.E. Insurance Co.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
The Cincinnati Casualty Co.
Designated Email Address: Region11Casualty@cinfin.com
Designated Physical Address: None
The Cincinnati Indemnity Co.
Designated Email Address: Region11Casualty@cinfin.com
Designated Physical Address: None
The Cincinnati Insurance Co.
Designated Email Address: Region11Casualty@cinfin.com
Designated Physical Address: None
The Cincinnati Specialty UnderwritersInsurance Co.
Designated Email Address: CSUCLAIMS9@cinfin.com
Designated Physical Address: P.O. Box 145496, Cincinnati, OH 45250‐5496
The Hanover Insurance Group
Designated Email Address: None
Designated Physical Address:
440 Lincoln Street
Document Management S024
Worcester, MA 01653
The Standard Fire Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
The Travelers Casualty Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
The TravelersIndemnity Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
The TravelersIndemnity Company of Connecticut
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Tokio Marine America Insurance Co.
Designated Email Address: Claim‐account‐coordination@tmamerica.com
Designated Physical Address: None
Trans Pacific Insurance Co. TNUS Insurance Co.
Designated Email Address: Claim‐account‐coordination@tmamerica.com
Designated Physical Address: None
Transportation Insurance Co.
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
Travelers Casualty and Surety Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Travelers Casualty and Surety Company of America
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Travelers Casualty Insurance Company of America
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Travelers Commercial Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Travelers Constitution State Insurance Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Travelers Property Casualty Company of America
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Trinity Universal Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Triumphe Casualty Co.
Designated Email Address: Internal.compliance@natl.com
Designated Physical Address: None
Truck Insurance Exchange
Designated Email Address: usw_trexo_imaging@farmersinsurance.com
Designated Physical Address: P.O. Box 6040 – Claims, Scranton, PA 18505
UFG Specialty Insurance Co.
Designated Email Address: claimscontact@unitedfiregroup.com
Designated Physical Address:
UFG Insurance
Attn: Claims Department
118 Second Ave. SE
Cedar Rapids, IA 52401
United Fire & Casualty Co.
Designated Email Address: claimscontact@unitedfiregroup.com
Designated Physical Address:
UFG Insurance
Attn: Claims Department
118 Second Ave. SE
Cedar Rapids, IA 52401
United National Insurance Co.
Designated Email Address: Claims@gbli.com
Designated Physical Address: None
United Services Automobile Association
Designated Email Address: None
Designated Physical Address:
Auto Injury Solutions
ATTN: USAA Medical Mail Dept.
P.O. Box 26001
Daphne, AL 36526‐5001
United States Fidelity and Guaranty Company
Designated Email Address: None
Designated Physical Address: PO BOX 660055, Dallas TX 75265
Unitrin Auto and Home Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Unitrin Direct Insurance Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Unitrin Direct Property & Casualty Co.
Designated Email Address: Mail.claims@kemper.com
Designated Physical Address: None
Universal Fire & Casualty Insurance Co.
Designated Email Address: Claims@ufcic.com
Designated Physical Address: 2121 Airport Rod, Waterford, MI 48327
Universal North America Insurance Co.
Designated Email Address: doicomplaints@uihna.com
Designated Physical Address: None
USAA Casualty Insurance Co.
Designated Email Address: None
Designated Physical Address:
Auto Injury Solutions
ATTN: USAA Medical Mail Dept.
P.O. Box 26001
Daphne, AL 36526‐5001
USAA General Indemnity Co.
Designated Email Address: None
Designated Physical Address:
Auto Injury Solutions
ATTN: USAA Medical Mail Dept.
P.O. Box 26001
Daphne, AL 36526‐5001
Valley Forge Insurance Co.
Designated Email Address: CNAClaimStateMail@cna.com
Designated Physical Address: None
Vanliner Insurance Co.
Designated Email Address: Internal.compliance@natl.com
Designated Physical Address: None
Wawanesa General Insurance Co.
Designated Email Address: claimsmail@wawanesa.com
Designated Physical Address: P.O. Box 82867, San Diego, CA 92138‐9492
Western Mutual Insurance Co.
Designated Email Address: claims@westernmutual.com
Designated Physical Address: None
Westfield National Insurance Co.
Designated Email Address: claimscompliance@westfieldgrp.com
Designated Physical Address: None
Westfield Specialty Insurance Co.
Designated Email Address: claimscompliance@westfieldgrp.com
Designated Physical Address: None
WestGUARD Insurance Co.
Designated Email Address: claims@guard.com
Designated Physical Address: None
Williamsburg
Designated Email Address: timelimitdemand@ameritrustgroup.com
Designated Physical Address: None
Wright National Flood Insurance Co.
Designated Email Address: Compliance@weareflood.com
Designated Physical Address: None
XL Insurance America
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
XL Insurance Company of New York, Inc.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
XL Reinsurance America, Inc.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
XL Select Insurance Co.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
XL Specialty Insurance Co.
Designated Email Address: Claims.processor@axaxl.com
Designated Physical Address:
AXA XL
P.O. Box 211547
Dallas, TX 75211
Zurich North America
Designated Email Address: claimscomplaints@zurichna.com
Designated Physical Address: None
Disclaimer: This insurer contact information is compiled from public filings required under California law. Information may change. Our firm is not responsible for insurer updates or errors in insurer-submitted data.
What Happens After a Demand Letter Is Sent?
Once a time-limited demand is served correctly, the insurer has three options:
- Accept the demand and settle the claim
- Reject the demand and risk litigation
- Ignore the deadline, potentially creating bad-faith exposure
If the case does not settle, your attorney may proceed with filing a lawsuit.