All licensed drivers in Indiana must carry auto insurance. The bare minimum requirement is $25,000 bodily injury per person per accident, $50,000 bodily injury for all individuals involved per accident, and $25,000 property damage liability.
Unfortunately, many drivers in the state don’t have any insurance. So, what happens you are injured in a car accident caused by an uninsured driver?
First, you must determine whether you have uninsured motorist (UIM) coverage, which compensates you for your damages (e.g. medical expenses, property damage, lost wages, pain and suffering, etc.). Additionally, this coverage also covers any damages in a hit-and-run accident and any passengers in your vehicle when the accident occurred.
The minimum amounts for UIM coverage include:
- $25,000 in bodily injury coverage per person
- $50,000 in bodily injury coverage for all individuals per accident
- $25,000 property damage liability
All car insurance policies in Indiana must include UIM coverage unless you waive them in writing. You will be covered up to the policy limits of your specific policy.
If you have UIM coverage and were involved in a collision with an uninsured motorist, you need to file a UIM claim with your insurer. Just like a liability insurance claim, you must prove the other party caused the crash, the other party doesn’t have insurance, you suffered an injury, and you suffered damages.
On the other hand, if you don’t have this coverage, you may still file a personal injury claim against the uninsured driver. Keep in mind, if the at-fault party couldn’t afford auto insurance, they may not have enough money or assets to pay for your damages.
Whether your insurance company or the uninsured driver owes you financial compensation, they will do their best to reduce or deny your claim. That is why having our experienced car accident lawyers at Crossen Law Firm on your side to protect your rights and best interests throughout the legal process.
If you have been injured in a collision caused by an uninsured motorist in Indianapolis, contact us today at (317) 401-8626 and request a free case review.