Because state law requires us all to have auto insurance, many Indiana
drivers trust that, in the event of an accident and injury, they will
be accommodated by either their or the other driver's coverage. Unfortunately,
too many injured drivers find themselves in a financial predicament when
confronted by their medical expenses and the actual money available to them.
This is because that while Indiana requires every registered driver to
have auto insurance, a majority of drivers only have minimum coverage.
Minimum liability coverage in Indiana must include:
- $25,000 per person in the event of injury or death
- $50,000 per accident when multiple people are hurt or killed
- $10,000 per accident for property damage
Additionally, every driver must have $50,000 in uninsured/underinsured
coverage in the event a driver with no or limited coverage hurts them.
In many instances, this minimum coverage is sufficient: in the event of
a minor injury to one victim, $25,000 will likely cover all medical expenses
and lost wages.
However, when there are serious accidents, you can start to see where minimum
coverage starts to fall short. $25,000, for example, is not sufficient
coverage for the death of a loved one—nor would $50,000 be for multiple
injured occupants suffering from serious trauma. In these situations,
further action is needed.
Learn More About Your Legal Options
Indiana is a "fault" state, which means that
car accident victims have options when they are hurt: they can either pursue money
from their own insurance, the negligent driver's insurance, or the
negligent driver themselves. To pursue any of these options, it is always
recommended that you have an experienced legal advocate on your side.
At Wruble Law Group, we understand that challenges car accident victims
face as they navigate their compensation options in these situations.
Not only is minimum coverage frequently not enough to cover their post-accident
needs, insurance providers will often fight to even relinquish that coverage
in order to protect their bottom lines.
If you have been hurt by another driver and are not being completely covered
by an insurance provider, then it may be time to seek legal action.
Wruble Law Group has more than 40 years of collective legal experience and knows what it
takes to recover relief on our clients' behalf.
Start exploring your options today. Use our online form to request a