In Indiana, all drivers are required to either have auto insurance with
specific minimums for liability coverage or show financial responsibility
by reporting their assets and income to the BMV. The minimum insurance
requirements are $25,000 for bodily injury or death per individual, $50,000
for bodily injury or death per accident, and $10,000 for property damage
Unfortunately, there are many motorists who continue to drive without fulfilling
the legal requirements mentioned above. Getting into a
car accident with an uninsured motorist can be quite the headache, especially if you
do not have uninsured motorist coverage.
What is Uninsured Motorist Coverage?
If the other driver doesn’t have insurance, you will most likely
have to go through your own insurance for coverage. However, you may be
covered for this type of situation through your uninsured/underinsured
Uninsured motorist coverage is meant to cover your collision expenses if
the at-fault motorist is uninsured. While you have the option of filing
a lawsuit against the uninsured motorist, most people without insurance
do not possess a lot of wealth and assets.
According to the Indiana Department of Insurance, at a minimum, you should have:
- Uninsured motorists – Bodily injury amount of $25,000 - $50,000
- Underinsured motorists – Bodily injury amount of $50,000
- Property damage – $10,000
Although you are not legally required to carry this type of coverage, your
auto insurance provider is required to offer it. If you decide not to
purchase it, you must opt out with a signature.
However, many people are reluctant to file a claim with their own uninsured/underinsured
motorist coverage—afraid that their insurance rates may substantially
increase. Before speaking with an insurance company, we suggest that you
seek legal advice. At Wruble Law Group, we can evaluate your case and
determine all of your available legal options in order to recover your
Contact us and request a
free case evaluation today.