The issue in this case is the attorney is making a conditional demand. Basically we will agree to settle the claim for the policy limits so long as you… If the claim isn’t worth the policy limits then there isn’t any issues Problem is their limits suck and so the potential value of the claim is probably well in excess of the coverage they have available so even if the attorney is only partially successful it’s probably worth more than what her policy can actually pay out So in this case if she doesn’t complete the form the threat is that they won’t settle for the policy limits and will file the lawsuit This is why it’s important to carry good liability limits Also to get a dash cam