Indiana's minimum liability limits are only 25,000 dollars per person and 50,000 dollars per accident for bodily injury. A single serious injury can blow past those limits in days. When the at-fault driver is uninsured or underinsured, your own uninsured/underinsured motorist (UM/UIM) coverage steps in.
Why UM/UIM Coverage Matters
Indiana requires insurers to offer UM/UIM coverage, and unless you rejected it in writing, you likely have it.
How a UIM Claim Works
If the at-fault driver's policy pays its limit but your damages are higher, your UIM coverage can cover the gap up to your own limit. These claims are made against your own insurer — which does not make them simple.
Your insurer is still a business protecting its bottom line. UM/UIM disputes over fault and value are common, and the insurer may resist paying.
Stacking and Multiple Policies
Depending on your policies, coverage from more than one vehicle or household policy may apply. Identifying every available layer of coverage can substantially increase what you recover.
Get Help Before You Settle
Because you are negotiating against your own insurer and the rules are technical, a free case review before accepting any offer helps ensure you do not leave coverage on the table.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Indiana attorney.