{"uid":"cap_rse-hsPpm3qejHTlxTxWc","slug":"insurepulse-prompt-pay-late-claim-interest-demand-letter-generator-9d6164fd","name":"InsurePulse Prompt-Pay Late-Claim Interest Demand Letter Generator","description":"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.","url":"https://insurepulse.theaslangroupllc.com/api/insure/prompt-pay-letter?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","required":["state","claim_type","claim_received_date","claim_amount"],"properties":{"lang":{"type":"string","description":"Letter language (default English)"},"state":{"type":"string","description":"US state code (TX|FL|NY|AZ|GA|CA letter-worthy lanes)"},"claim_type":{"type":"string","description":"property | auto | health | disability | life"},"claim_amount":{"type":"string","description":"USD claim amount"},"insurer_name":{"type":"string","description":"Insurer name for the letter"},"policyholder_name":{"type":"string","description":"Your name (placeholder if omitted)"},"claim_received_date":{"type":"string","description":"YYYY-MM-DD the insurer received the claim"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"state parameter required"},"description":"Invalid or missing parameter(s) — required: state, claim_type, claim_received_date, claim_amount. Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"2","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$2/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"2","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"2","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_WmisAvkHILrVdjZnIXbtG","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"2","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Generates a citation-locked, state-specific prompt-pay interest demand letter with statutory quotes and day-count math for late insurance claim payments across TX, FL, NY, AZ, GA, and CA","exampleAgentPrompt":"My Texas homeowner claim for $42,000 was submitted on March 1st and the insurer still hasn't paid as of today June 15th — can you generate a citation-locked prompt-pay interest demand letter with the §542A.003 pre-suit notice language, verbatim statutory quotes, and the 18%/prime+5 interest calculation?","exampleUseCases":[{"title":"Late claim payment demand in Florida","prompt":"Our client's homeowner claim for $85,000 was denied in writing on February 10th but the insurer hasn't paid the supplemental amount we negotiated until today, July 22nd — can you draft a demand letter with Florida's CFO quarterly interest factors, verbatim statute citations, and the escalation path to file a DOI complaint if they don't pay within 30 days?"},{"title":"New York auto insurance interest calculation","prompt":"We have a bodily injury claim for $125,000 that was approved on April 5th but still unpaid as of now — can you generate a demand letter showing the month-by-month 2% statutory interest accrual under New York no-fault law, with the exact statutory language quoted and a timeline for escalation?"},{"title":"California delayed claim with penalty language","prompt":"A water damage claim for $60,000 was submitted in January and rejected wrongfully in March, then accepted in May but still unpaid now in October — can you create a formal demand letter citing California's 15% statutory rate plus penalty language, with day-count math from the original notice date and all the relevant statute citations included?"}],"resultDescription":"A fully drafted demand letter including: state-specific prompt-pay interest rates (TX 18%/prime+5, FL CFO quarterly factors, NY 2%/month, AZ 10%, GA 12%, CA 15% + penalty), a day-count math table from notice date, verbatim statutory quotes, pre-suit notice elements (TX weather/§542A.003), escalation path via DOI complaint, and honest refusal of unsupportable factual claims.","failureModes":["Unsupported state jurisdiction (only TX, FL, NY, AZ, GA, CA covered) returns an honest-no response","Missing claim date or notice date makes day-count calculation impossible","Insufficient insurer or claim details may result in partial or generic letter","API payment failure at $2 USDC per call blocks response","Outdated quarterly rate factors (FL CFO) if factors not refreshed may produce stale interest figures"],"whenToPreferThis":"Use this endpoint when a policyholder or public adjuster needs a legally grounded, citation-backed demand letter for a late insurance claim payment in TX, FL, NY, AZ, GA, or CA — especially when pre-suit notice compliance (TX §542A.003) is required or when precise day-count interest math tied to state statutes is needed. Prefer over generic legal letter generators because it includes verbatim statutory quotes, state-specific interest rate tables, and built-in DOI complaint escalation language.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-28T19:09:50.835Z","isFirstParty":false,"canonicalSlug":"insurepulse-prompt-pay-late-claim-interest-demand-letter-generator-9d6164fd"}