Third-party contact checklist, uninsured motorist

1. Introduction and general inquiries	Confirm loss (date, time, location) with our insured Negate BI [bodily injury] and UM [uninsured motorist] and any passengers
2. Loss facts	Brief factual account Witnesses? Police Report? Tickets? Admission of fault? Injuries reported at scene?
3. Ownership	Type of Vehicle Damages Owned? Where purchased? OR Lienholder (who) If not owned, who does the vehicle belong to? If not owned, how did you happen to be using this vehicle?
4. Insurance	Was this loss reported to vehicle carrier? Get all carrier information Was loss covered or denied by carrier?
5. Liability (UM confirmed)	Confirm liability or the need for additional investigation If liable, discuss responsibility to reimburse for damages Failure to reimburse may cause suspension of driving privileges Failure to reimburse could also result in referral to attorney which may result in additional cost
6. Willingness to pay	Show empathy for economic burden and offer to work out a payment plan How much can you pay up front? How much can you pay monthly?
7. Additional information for our subrogation department	Do you own a home or rent (how long)? Own other vehicles? Employer and address Position and salary

Insure.com editor's note: Subrogation is when an insurance company seeks compensation from another party who is responsible for damages.