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InsurePulse Prompt-Pay Demand Letter Generator
x402
InsurePulse Prompt-Pay Demand Letter Generator is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $2/call, status unknown (last checked 2026-09-13).
Generates a citation-locked, state-specific late-claim interest demand letter with verbatim statutory quotes, day-count math, and pre-suit notice compliance for TX, FL, NY, AZ, GA, and CA.
Price / call$2
Success—
StatusUnknown
How this service works
Citation-locked late-claim interest demand letter — the deterministic check plus a demand built on the lane's own day-count math table (TX 18%/prime+5, FL CFO quarterly factors from the notice date, NY no-fault 2%/month, AZ 10%, GA 12%, CA 15% + auto-include penalty). TX weather letters satisfy the §542A.003 pre-suit notice, element by element. Verbatim statutory quotes; the escalation is a free DOI complaint. Honest-no on unsupportable facts.
Output
A fully drafted demand letter containing: verbatim statutory quotes for the applicable state's prompt-pay law, a day-count math table showing interest accrual (using TX 18%/prime+5, FL CFO quarterly factors, NY 2%/month, AZ 10%, GA 12%, or CA 15% plus penalty as applicable), total interest owed, TX §542A.003 pre-suit notice elements (for Texas weather claims), and a free DOI complaint escalation statement if the demand is ignored. Unsupportable facts are flagged as honest-no rather than fabricated.
Example use cases
Texas weather claim pre-suit notice
“My insurer took 74 days to pay out my hurricane roof claim in Texas — please generate a prompt-pay demand letter that satisfies the §542A.003 pre-suit notice requirements, includes the 18% or prime+5 interest calculation from the notice date, and has verbatim statutory quotes so it's litigation-ready.”
Florida late-claim interest demand
“My Florida health insurer paid my claim 60 days late. Can you draft a formal demand letter using the current CFO quarterly interest factors from the notice date, with exact statutory language, and include the DOI complaint escalation warning if they don't respond?”
New York no-fault 2% monthly interest letter
“My New York no-fault auto insurer missed the payment deadline by 45 days. Draft a citation-locked demand letter calculating the 2% per month statutory interest owed, with verbatim quotes from the no-fault statute, that I can send to the adjuster today.”
Technical details
Endpoint
GEThttps://insurepulse.vercel.app/api/insure/prompt-pay-letterWhen to prefer
Choose this endpoint when a policyholder needs a jurisdiction-specific, citation-locked demand letter for insurer late payment — especially when exact statutory interest math, verbatim quotes, and pre-suit notice compliance (TX §542A.003) are required. Prefer over generic legal-letter generators when working in TX, FL, NY, AZ, GA, or CA and needing state-accurate interest rate tables and DOI complaint language built in.
Side effects
- Unsupported jurisdiction — only TX, FL, NY, AZ, GA, CA are supported; other states return a refusal or partial letter
- Missing notice date or claim dates prevent accurate day-count interest calculation
- Policy type ambiguity may cause incorrect statutory rate selection
- Network or payment failure returns HTTP 402 or 5xx with no letter generated
- Partial input (e.g., no insurer name) produces a letter with placeholder fields
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| lang | string | Letter language (default English) |
| staterequired | string | US state code (TX|FL|NY|AZ|GA|CA letter-worthy lanes) |
| claim_typerequired | string | property | auto | health | disability | life |
| claim_amountrequired | string | USD claim amount |
| insurer_name | string | Insurer name for the letter |
| policyholder_name | string | Your name (placeholder if omitted) |
| claim_received_daterequired | string | YYYY-MM-DD the insurer received the claim |
Output
Schema · Response
{
"type": "json",
"example": {}
}Tags
x402
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