When hit by an uninsured driver, how does the claim filing process change?

When dealing with a claim involving an uninsured driver, the claims process remains fundamentally the same as it would be in any typical accident. The insured driver still files a claim with their own insurance company, regardless of the status of the other driver. It’s important to understand that while the uninsured status of the other driver may affect coverage and reimbursement, the initial steps taken by the insured driver in filing the claim do not change.

This means that the procedure of collecting necessary documentation, reporting the accident, and communicating with the insurance adjuster is consistent with any claim scenario. The claim will be assessed based on the insured's own policy terms and conditions, which may include underinsured or uninsured motorist coverage depending on the specifics of their policy. Thus, while the situation may differ from what occurs in an accident where both parties are insured, the act of filing the claim itself does not deviate from standard practice.