If you are seriously injured in a car accident in Indiana that was someone else’s fault, that person is responsible for paying for your medical bills and other losses. These damages are usually paid by the at-fault party’s auto insurance policy. However, if the driver who caused your accident is uninsured, you are unlikely to be able to recover anything from him or her. This is why it is important that you carry uninsured motorist coverage on your own auto insurance policy.
How Do I Get Uninsured Motorist Coverage in Indiana?
In Indiana, minimal uninsured motorist coverage will be automatically included in your auto insurance policy unless you request in writing that it be removed. Because this coverage is the only way to protect yourself and your family if you are involved in an automobile accident with someone who either has no insurance at all or who has minimal coverage, we recommend that you maintain at least $100,000 worth of uninsured motorist coverage on all of your vehicles. This is above what will be automatically included in your insurance policy. The state’s minimum coverage includes the following:
- Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident
- Property damage: $10,000
- Underinsured motorist bodily injury: $50,000
When you carry this coverage, you will collect it from your own insurance company if you are in an accident with a driver who does not have insurance.
What Is Underinsured Motorist Coverage?
When the driver who caused your accident has insurance, but not enough coverage to fully compensate you for your losses, this same policy will kick in to make up the difference. Again, it is essential that you carry enough uninsured motorist coverage to protect you in the event of a serious car accident.