Services
Document a loss
Support a claim
For carriers and employers
Service areas
Middle Tennessee
- Nashville
- Clarksville
- Murfreesboro
- Franklin
- Hendersonville
- Smyrna
- Spring Hill
- Gallatin
- Lebanon
- Columbia
- Brentwood
- Mount Juliet
- La Vergne
- Cookeville
East Tennessee
West Tennessee
Uninsured and Underinsured Motorist Claim Documentation
Delator Claims Division provides neutral field documentation for collisions involving a driver with no insurance, too little insurance, or no known identity. The record is prepared for policyholders, their attorneys, and carriers handling uninsured and underinsured motorist claims in Tennessee.
- Coverage
- 95 of 95 counties
- Dispatch
- 24 / 7 / 365
- Metro response
- Under 60 min avg.
- Statewide
- 4-hour guarantee
What this service covers
In an uninsured or underinsured motorist claim, the injured person's own insurer evaluates a loss that another driver's insurer would otherwise have handled. The policyholder and the carrier may then disagree about how the collision happened and how much of it was the other driver's doing. Tennessee uses modified comparative fault, so the physical facts of the collision matter as much here as in any liability claim.
These claims often start with thin evidence. The other driver may have left, given false details, or had no reason to cooperate afterward. Delator documents what remains: the scene, the policyholder's vehicle, any trace of the other vehicle, and the people and cameras nearby. The documentation is neutral. Delator does not interpret the policy, decide whether coverage applies, or value the claim.
Claims where this documentation is requested
- The other driver left the scene, and the only trace of that vehicle is paint or broken trim on the policyholder's car.
- The at-fault driver gave an insurance card at the roadside that later turned out to be lapsed or invalid.
- The other driver's policy limits appear too low for the loss, and the collision facts will be reviewed again by a second carrier.
- A policyholder was forced off the road by a vehicle that never made contact and did not stop.
- A carrier's claim file contains only its own insured's account and needs independent scene documentation before evaluation.
What is recorded for a UM or UIM file
- Transfer evidence
- Foreign paint, rubber marks and embedded fragments on the policyholder's vehicle, photographed close up with scale and color reference before repair or cleaning.
- Parts left behind
- Lens pieces, mirror housings, trim and other fragments from the other vehicle, photographed where found with any part numbers or manufacturer marks visible.
- Run-off-road path
- For no-contact events, the tire tracks, shoulder drop, struck objects and final rest position along the path the policyholder's vehicle took.
- Other vehicle and driver details
- Whatever identifying information exists in reports, photographs taken at the roadside and witness accounts, compiled as provided and marked by source.
- Independent observers
- Names and contact details of people nearby who say they saw the other vehicle, with a note of where each was positioned.
- Scene and approach views
- The roadway as each vehicle would have approached, including lane layout, signs, signals and sight distance at the time of the visit.
From request to delivered record
- RequestCall dispatch or submit the request form with the location, loss type and urgency.
- DeployDispatch assigns the nearest available licensed field investigator through the statewide network.
- DocumentPhotographs, video, measurements and factual notes are captured once the scene is safe to work.
- PreserveFiles are timestamped, organized and kept in their original form with a record of who captured them.
- ReportThe package is delivered securely to the requesting party, typically the same day.
When the other vehicle is gone
A driver who leaves takes most of the evidence along. What stays is usually small: a streak of paint on a quarter panel, a fragment of headlamp lens in the gutter, a tire mark across a shoulder. These are easy to lose. A body shop sands away transfer during repair, street sweeping removes fragments, and rain washes marks from the pavement. Once they are gone the claim rests on the policyholder's word.
Policies can contain their own conditions for claims involving an unidentified vehicle, and Delator does not interpret them. What field personnel can do is record every physical sign of a second vehicle, find people who saw it, and canvass for cameras along the route it took. The requesting party and its counsel then have a factual record to place beside whatever the policy language says.
A claim where the policyholder and insurer may disagree
Uninsured and underinsured motorist claims are unusual because the policyholder is claiming against their own carrier while the carrier evaluates the other driver's fault. Both have an interest in an accurate account of the collision. Delator accepts these assignments from either side and documents them the same way. The report contains no coverage opinion, no fault percentage and no figure for damages.
For individuals and their attorneys, Delator's role is limited to neutral documentation. It does not adjust or negotiate the claim, communicate with the insurer on anyone's behalf, or give advice about deadlines, notice or strategy. Carriers and their counsel who need investigative services beyond neutral documentation can request them separately. In either case the scene photographs, measurements and notes are delivered securely, typically the same day.
On this assignment Delator field personnel record what is physically present: photographs, video, measurements and factual notes. They do not adjust, appraise or value the loss, do not determine coverage, cause or fault, and do not represent any party to the claim.
Delator Claims Division is not a law firm, an insurer or an engineering firm, and nothing on this page is legal advice.
Common questions about this service
Can you identify the driver who hit me and left?
Field personnel can document transfer evidence and fragments, look for witnesses and canvass for camera footage, any of which may help identify a vehicle. Delator does not promise an identification, and it reports what was found. Criminal investigation of a hit-and-run remains with law enforcement.
Do you decide whether my uninsured motorist coverage applies?
No. Coverage is determined by the policy and the insurer, and disputes about it are matters for an attorney. Delator is not a law firm or an insurer. It documents physical evidence and voluntary witness accounts and delivers them without any opinion on coverage, fault or value.
My car is at a body shop. Can it still be documented?
Yes, if the shop allows access and repairs have not started on the damaged area. Field personnel photograph transfer marks and damage in place and note the date, the location and the vehicle's condition. If repair is scheduled soon, a Rush or Emergency deployment may be appropriate.
Does an insurer use the same service?
Carriers can request the same neutral documentation for UM and UIM files. Carriers, self-insured entities, TPAs and their counsel may additionally retain Delator for investigative work such as recorded statements or claim investigation. Those additional services are not offered to policyholders or claimants.
Available statewide, including
Every Tennessee county is covered. See the deployment map for typical response tiers by county.
Request documentation anywhere in Tennessee
Dispatch is staffed around the clock. For time-sensitive scenes, calling is fastest; the request form works for routine and scheduled assignments.