what do you need to file a um coverage claim 
after an accident first check for injuries and call 911 if necessary then call the police to respond to the accident if they don t come or if it s a hit and run try to gather as much information as possible ask for names addresses and phone numbers of potential witnesses if possible get the license plate number of the other car and take photographs of the accident scene as soon as possible file a claim with your insurance company providing all the information you have gathered some insurance providers limit how long you can wait before filing your uninsured claim you ll typically need to submit bills from all medical care received and any automobile repair that resulted from the accident 