How to Claim Uninsured Motorist Coverage


Collect the name, address, phone number, license number, tag number and car insurance information of the other person involved in the accident. Chances are you will not know the other driver is uninsured until a claim is filed, that is why its important to gather all the information you can at the time of the accident.


Speak to witnesses and ask for their names and phone numbers for later contact. If the police haven't been called, you will need witness information. If the police are called, many witnesses will leave before the police arrive.


Get a copy of the police report if the police have been called; never admit fault as it could affect your claim. The police may be able to determine if the other driver is uninsured at this time. Finding fault should be left to the police and claims adjusters to discover.


Write down everything you can remember about the accident. Include the date, time and location of the accident. Write down the weather and traffic conditions before and during the accident. In full detail, write how the accident happened. Try to write everything while it is still fresh in your memory.


Obtain copies of any medical reports, emergency room reports, medical and prescription bills if there have been injuries in the accident. If further treatment or medical visits are necessary, save all bills for the insurance claim.


Contact your car insurance company with all the details. Either call your local agent or the head office to report your claim, even if you are not at fault. Some insurance companies have online claims service as well. Have your policy number ready when you call. Your insurance company will investigate thoroughly and will contact the car insurance company of the other driver. If the other driver is found to be under-insured or uninsured, your own car insurance coverage will kick in if you have purchased uninsured motorist coverage.


Get estimates for the damage to your car or property. It is suggested that you get at least three estimates from reputable repair shops. Your own car insurance company may have a repair shop they use, but make sure you get more than just that shop's estimate.


Make copies of all this information for yourself, as well as a copy for the insurance company. Make copies of any new medical bills or expenses you incur due to the accident and report them to your car insurance company.