Claimant Information
Name, policy number, contact details, and relationship to the insured so the insurer can verify coverage and reach claimants for follow-up.
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.
Keep copies of submitted materials and a dated communication log to support follow-up and appeals.
Name, policy number, contact details, and relationship to the insured so the insurer can verify coverage and reach claimants for follow-up.
Date, time, precise location, weather, and narrative of events to establish the factual basis for liability and damages.
At-fault driver details, license plate, insurer (if known), and any witness contact information used to corroborate responsibility.
Itemized medical bills, treatment summaries, and vehicle repair estimates that quantify damages for settlement or coverage decisions.
Policy limits, applicable sublimits, and declarations so adjusters can determine available UM/UIM coverage and stacking rules if applicable.
Signed claimant authorization allowing insurer to obtain medical records and vehicle estimates; signature must show intent and date.
| 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 |
Use a platform that preserves an audit trail (timestamp, IP, signer email) and stores copies for the required retention period.
Notify insurer as soon as possible, often within 24–72 hours.
Submit supporting documents typically within 30–90 days as requested.
Many insurers acknowledge receipt within 10–30 days.
Adjusters often take 30–90 days to investigate and issue a determination.
Statutes of limitation vary (commonly 2–6 years); check state law for filing suit deadlines.
Notify insurer and police, create claim log.
Provide medical bills and repair estimates.
Insurer investigates cause and coverage.
Settlement, denial, or litigation.
Official accident report establishing reported facts and the responding agency; essential for liability assessment.
Provider notes, bills, and treatment summaries documenting diagnosis, treatment dates, and costs to support injury claims.
Written vehicle repair quotes or invoices showing damage scope and cost to restore property.
Photographs of damage and scene plus signed witness accounts to corroborate sequence and severity of events.
Claimant files within 48 hours with photos and ER record
Driver reports hit-and-run with plate partial and photo
| 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 |
| 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 |