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Insurance Claim for Uninsured Motorists

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INSURANCE CLAIM FOR UNINSURED MOTORISTS

Use this form to report a claim arising from a motor vehicle collision involving an uninsured or underinsured motorist. Complete all applicable sections, attach supporting documentation, and sign the certification below. Failure to provide requested information may delay processing or denial of benefits.

Claimant / Insured Information

Incident Details

Date of loss:    Time of loss:    Location:

Other vehicle registration/state:    Other driver name:

Was the other motorist insured?

Injuries and Medical Treatment

Hospitalized?

Property Damage

Claimed Damages

Policy Coverage Details

Coverage limit:    Deductible:    Premium:

Policy period from: to:

Uninsured/Underinsured Motorist coverages claimed (select all that apply):

Exclusions, Subrogation, and Authorization

By signing below, the claimant certifies that the information provided in this form and any attachments is true and complete to the best of the claimant's knowledge. The claimant authorizes the insurer and its representatives to obtain and release medical, employment and other records reasonably necessary to investigate, evaluate, and substantiate this claim. The claimant acknowledges that the insurer may seek subrogation or reimbursement from any third party or their insurer for amounts paid under this policy and agrees to cooperate in such recovery, including execution of necessary documents.

Exclusions: Benefits are subject to policy terms, conditions and exclusions, including but not limited to: intentional acts, use of vehicle for unauthorized commercial purposes if excluded by policy, failure to cooperate with investigations, and uninsured motorist coverage limits. Payment under uninsured/underinsured motorist coverage may be reduced by failure to timely notify the insurer, failure to provide requested documentation, or fraudulent statements.

Fraud Warning: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a criminal act and subject to civil penalties.

Beneficiary / Payee for Payment

Documentation Checklist

Please attach copies of all applicable items; keep originals for your records.

Additional Statements

I certify under penalty of law that the information contained in this claim form and any attached documents is true, complete and correct to the best of my knowledge. I understand that submission of fraudulent information may result in denial of benefits, termination of coverage, civil or criminal penalties, and restitution. I agree to cooperate with the insurer's investigation, provide requested records, and attend medical examinations if reasonably required.

Claimant Name:

Signature:

Date:

Enter text✕

What this form is and when it applies

An Insurance Claim for Uninsured Motorists is a standardized claim form used to request payment from your own uninsured/underinsured motorist (UM/UIM) coverage after being harmed by a driver who lacks sufficient insurance. The form documents the incident, injuries, property damage, and policy details; it creates a record insurers use to evaluate coverage, liability, and damages. Policyholders typically submit this claim to their insurer along with police reports, medical records, repair estimates, and any communication with the at-fault driver or other insurers.

Why completing this claim correctly matters

A clear, complete UM/UIM claim speeds insurer review, preserves legal rights, and supports proof of loss. Electronic submission can be legally valid under ESIGN (15 U.S.C. ch. 96) and most state UETA statutes when intent, consent, attribution, and record retention are met; exceptions such as certain court filings remain.

Why completing this claim correctly matters

Who typically completes or receives this claim

Keep copies of submitted materials and a dated communication log to support follow-up and appeals.

  • Policyholders submitting a UM/UIM claim to their insurer, including auto owners and named drivers.
  • Attorneys or claims adjusters preparing paperwork and supporting documents on behalf of an injured party.
  • Medical providers or repair shops supplying bills, estimates, or records for inclusion with the claim.

Step-by-step: preparing and filing your UM/UIM claim

Follow a consistent sequence to reduce requests for additional information and to preserve rights.

  • 01
    Gather Evidence: Police report, photos, witness names.
  • 02
    Document Injuries: Medical records, bills, provider statements.
  • 03
    Complete Form: Fill all fields in MM/DD/YYYY and full names.
  • 04
    Submit & Track: Send to insurer and keep confirmation log.

Essential sections included in a professional claim

A complete UM/UIM claim groups identity, incident, injury, financial, insurer, and authorization information to support prompt review and decision-making.

Claimant Information

Name, policy number, contact details, and relationship to the insured so the insurer can verify coverage and reach claimants for follow-up.

Incident Details

Date, time, precise location, weather, and narrative of events to establish the factual basis for liability and damages.

Third-Party Information

At-fault driver details, license plate, insurer (if known), and any witness contact information used to corroborate responsibility.

Medical and Property Loss

Itemized medical bills, treatment summaries, and vehicle repair estimates that quantify damages for settlement or coverage decisions.

Policy Coverage Summary

Policy limits, applicable sublimits, and declarations so adjusters can determine available UM/UIM coverage and stacking rules if applicable.

Authorization & Signature

Signed claimant authorization allowing insurer to obtain medical records and vehicle estimates; signature must show intent and date.

Required information and short data checklist

Claimant ID: Full name
Policy Info: Policy number
Loss Date: MM/DD/YYYY
Incident Location: Address
Injury Summary: Symptoms
Attachments: Reports, bills

How claims are routed and processed

Understanding the processing flow helps you submit documents in the format and order insurers expect.

  • Intake: Claim received and logged
  • Assignment: Adjuster assigned to file
  • Investigation: Review evidence and records
  • Resolution: Payment, denial, or dispute

Common online submission settings and fields

If you submit electronically, confirm field mapping and required attachments before sending to avoid incomplete submissions.

Field Configuration
Claimant Name Required; validated against policy
Date of Loss MM/DD/YYYY; required
Attachments PDF/JPEG; up to insurer size limits
Signature Typed or e-sign with audit trail

Digital submission and platform considerations

Use a platform that preserves an audit trail (timestamp, IP, signer email) and stores copies for the required retention period.

  • File Formats: PDF, DOCX accepted
  • Authentication: Email or SMS code
  • Integrations: API/portal uploads

Timelines and expected response windows

Timely filing and documentation reduce the chance of delays or denials; follow your policy’s notice requirements and keep records of submission dates.

Immediate Notice:

Notify insurer as soon as possible, often within 24–72 hours.

Proof of Loss:

Submit supporting documents typically within 30–90 days as requested.

Insurer Acknowledgment:

Many insurers acknowledge receipt within 10–30 days.

Decision Window:

Adjusters often take 30–90 days to investigate and issue a determination.

Legal Deadlines:

Statutes of limitation vary (commonly 2–6 years); check state law for filing suit deadlines.

Key milestones from loss to resolution

Track these milestones to monitor progress and trigger follow-up actions if timeframes lapse.

01

Report Incident

Notify insurer and police, create claim log.

02

Submit Documentation

Provide medical bills and repair estimates.

03

Adjuster Review

Insurer investigates cause and coverage.

04

Outcome

Settlement, denial, or litigation.

Common mistakes that delay uninsured motorist claims

  • Late notice to your insurer or incomplete initial details that require repeated follow-up and extend processing time.
  • Failing to attach police reports, medical records, or repair estimates, which forces an adjuster to request supplements.
  • Using inconsistent names, dates, or policy numbers across documents, causing verification difficulties and potential denial.
  • Agreeing to statements or signing releases without consultation that could reduce recoverable damages or waive rights.

Consequences of incorrect or incomplete claims

Claim Denial: Missing information
Delayed Payment: Incomplete proof
Coverage Loss: Late notice
Legal Costs: Litigation expenses
Interest and Fees: Accrued damages
Statute Bar: Missed filing deadline

Supporting documents you should attach

Attach primary evidence with your claim to substantiate loss amounts and causal links between the incident and injuries or damage.

Police Report

Official accident report establishing reported facts and the responding agency; essential for liability assessment.

Medical Records

Provider notes, bills, and treatment summaries documenting diagnosis, treatment dates, and costs to support injury claims.

Repair Estimates

Written vehicle repair quotes or invoices showing damage scope and cost to restore property.

Photos & Witness Statements

Photographs of damage and scene plus signed witness accounts to corroborate sequence and severity of events.

Typical claim scenarios and outcomes

Realistic examples show why documentation and timely submission change the outcome in common UM/UIM claims.

Minor-Collision Medical Claim

Claimant files within 48 hours with photos and ER record

  • Adjuster requests two additional bills
  • Claim settles for medical bills plus deductible after insurer confirms lack of third-party coverage and UM limit.

Hit-and-Run Property Loss

Driver reports hit-and-run with plate partial and photo

  • Police report and repair estimate attached
  • Insurer pays property damage under UM property coverage after investigation confirms no at-fault insurer.

How an electronic claim form differs from a printed claim packet

Compare submission methods to choose the approach that best balances speed, legal robustness, and auditability.

Method Electronic Paper
Delivery Speed immediate mail or in-person
Audit Trail limited
Document Copy reproducible may fade or be lost
Authentication email/sms/kba witness or notarization

Typical eSignature vendor pricing and capabilities to consider

Cost and core capabilities vary by vendor and plan. signNow is listed first for comparison; use vendor sites to confirm plan details for procurement.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes (Business Premium) Varies by plan Varies by plan Varies by plan Varies by plan
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes (BAA available) Yes (BAA available) Yes (BAA available) No No
Envelope Cap No cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan

Frequently asked questions about uninsured motorist claims

Answers to common concerns about filing, evidence, timing, and electronic signatures for UM/UIM claims.


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