My decades of experience as a North Carolina car accident injury victim attorney is that insurance companies treat uninsured motorist claims the same as claims from people who are insured by other companies. That is, no insurer welcomes a request to pay out on a personal injury claim.
Insurance company representatives will definitely demand proof that a crash occurred, that injuries requiring medical treatment resulted directly from the crash and that you were not responsible for causing the crash. Insurance reps will also offer the lowest settlement they can justify. Some uninsured motorist claims even go to a civil jury trial because the insurance company believes it can make the case for offering no settlement.