Coverage Shift Roadmap

If the other insurance company is not covering the claim, ClaimHaus helps you organize your own insurance claim lanes, possible collision claim, possible MedPay, and possible uninsured/underinsured motorist claim.

Important: ClaimHaus AI is not a law firm and does not provide legal advice, insurance advice, coverage determinations, settlement valuation, or claim negotiation. Coverage and claim handling can depend on your policy, the other driver's policy, the facts, the insurance investigation, and state rules.

Coverage questions

Did the other driver's insurance accept the claim?
Did the other driver's insurance send a written denial or non-coverage letter?
Did your own insurance open a claim?
Which own-insurance claim lanes may apply?

Your own insurance claim numbers & adjusters

Coverage Confirmation Checklist

Declarations page: A summary page from your insurance policy showing your coverage types and limits. ClaimHaus cannot determine coverage. Check your policy or contact your insurance company.

Collision coverage
Rental coverage
Towing / storage coverage
MedPay
Uninsured motorist bodily injury (UM BI)
Underinsured motorist bodily injury (UIM BI)
Uninsured motorist property damage (UMPD)

Own Insurance / UM-UIM Roadmap

This roadmap helps you organize your claim when the other driver's insurance is not covering the accident, coverage is denied, fault is disputed, or uninsured/underinsured coverage may apply. Your own insurance may handle vehicle damage, medical payments, or uninsured/underinsured motorist injury claims depending on your policy.

  1. 1Add your own insurance companyOpen →
  2. 2Add your own claim number and adjusterOpen →
  3. 3Add the other driver's insurance denial or non-coverage letterOpen →
  4. 4Confirm your vehicle damage claim laneOpen →
  5. 5Confirm whether collision coverage may applyOpen →
  6. 6Confirm rental, towing, and storage coverageOpen →
  7. 7Confirm whether MedPay may applyOpen →
  8. 8Confirm whether uninsured/underinsured motorist BI may applyOpen →
  9. 9Track injuries and medical treatmentOpen →
  10. 10Upload medical bills and medical recordsOpen →
  11. 11Keep vehicle/property damage documents separate from injury documentsOpen →
  12. 12Log all insurance messages and requestsOpen →
  13. 13Upload all denial, coverage, or investigation lettersOpen →
  14. 14Complete attorney review checkOpen →
  15. 15Generate claim packetOpen →

Message templates

These are general administrative request templates, not legal advice. You control what you send and to whom.

Request Written Denial / Non-Coverage Letter

Please send written confirmation of your coverage position for this accident, including the claim number, reason for denial or non-coverage, and whether you are accepting or denying any property damage or bodily injury portion of the claim. I need this documentation for my records and for any applicable claim with my own insurance company.

This is a general administrative request template, not legal advice.

Open Possible UM/UIM Injury Claim

I would like to open or confirm a possible uninsured/underinsured motorist bodily injury claim under my policy. The other driver's insurance is not covering the accident at this time or has not accepted coverage. Please confirm my UM/UIM bodily injury coverage, claim number, adjuster contact information, and what documents are needed.

This is a general administrative request template, not legal advice or coverage advice.

Proceed Through My Collision Coverage

I would like to proceed through my own policy for the vehicle damage claim. Please confirm my collision coverage, deductible status, rental coverage, towing/storage coverage, claim number, adjuster contact information, inspection process, and next steps for repair or total loss review.

This is a general administrative request template, not legal advice or coverage advice.

State-specific reminder
Reminders
  • Before responding, let's check what may be missing.
  • You are in control of the response.
  • ClaimHaus can help organize your file, but cannot make settlement or coverage decisions for you.
  • Keep vehicle/property damage documents separate from injury documents.
  • Written denial/non-coverage letters matter for organization.
Important disclaimerRead more

ClaimHaus AI helps you organize accident information, injuries, bills, and insurance documents. It is not a law firm and does not provide legal advice, legal representation, settlement valuation, medical advice, or claim negotiation. ClaimHaus will tell you when attorney review may be appropriate.