According to the Insurance Research Council, approximately 15% of all motorists in Indiana drive without car insurance. Because of the number of uninsured drivers, insurance companies in the Hoosier State are required to offer uninsured and underinsured motorist (UM/UIM) coverage in all newly written auto insurance policies. However, this additional coverage can be rejected in writing by the policyholder, which can have implications if an accident occurs and the at-fault driver lacks the ability to pay for injuries and damages.

UM/UIM coverage protects drivers and passengers for things such as medical expenses, lost wages, and other costs associated with injuries that stem from an accident. Drivers who cause an accident and lack coverage not only face civil liabilities, but other consequences such as fines, license suspensions, and other legal issues. In the event someone doesn’t have insurance, Indiana’s financial responsibility laws require drivers to prove their ability to cover damages they cause if they lack coverage.

The state of Indiana has a 25/50/25 minimum liability insurance requirement. This means that minimum coverage includes $25,000 for bodily injury to or the death of an individual, $50,000 for bodily injury to or the death of two or more individuals, and $25,000 for damage to or the destruction of property in one accident. In many cases, injuries and damages stemming from an accident will extend well beyond these amounts, underscoring the importance of additional coverage.

UM and UIM also assist victims of accidents because under most policies, coverage will follow them to each vehicle they are the occupant or driver of. For example, if you are driving a relative’s vehicle and get into an accident with a driver who lacks proper insurance, the uninsured motorist coverage will pay your damages up to the policy limits.

When dealing with insurance companies after an accident involving uninsured drivers in Indiana, obtaining compensation for injuries and damages will require a seasoned personal injury lawyer with a deep understanding of the state’s laws. They will also need the necessary experience to navigate the claims process and take on big insurance companies to obtain a fair and just outcome for clients.

If you or a loved one have been involved in a car accident in Indiana, contact Hurst Limontes for a free and confidential consultation. Our attorneys have over a century of combined experience fighting for our clients in a vast amount of personal injury cases. We work on a contingency basis, meaning there is no cost to you unless we reach a settlement or jury verdict award on your behalf.

Call 317-636-0808 or complete the form below for a FREE and confidential consultation.