The Uninsured Driver Problem in Indiana
Despite mandatory insurance laws, a significant share of Indiana drivers are uninsured, and many more carry only the state minimum of 25,000 dollars per person. When a serious crash exceeds those limits, the at-fault driver often has no assets to cover the difference. That is where uninsured and underinsured motorist coverage becomes critical.
How UM/UIM Coverage Works
Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance or flees the scene in a hit-and-run. Underinsured motorist (UIM) coverage applies when the at-fault driver's policy is too small to cover your losses. Indiana requires insurers to offer UM/UIM coverage, and most drivers carry at least some. These benefits come from your own policy, but they can be just as contested as a claim against another driver.
Fighting Your Own Insurer
It may feel strange to file a claim against your own insurance company, but that is exactly what UM/UIM coverage is for. Unfortunately, insurers do not always treat their own policyholders fairly and may undervalue or delay these claims. An attorney levels the playing field and pursues the full benefits you paid for.
Maximizing Your Recovery
An attorney can identify all available coverage — including stacking multiple policies where allowed — and handle the negotiation or arbitration that UM/UIM claims often require. Recoverable damages mirror those in a standard injury claim: medical bills, lost income, and pain and suffering.
Injured in Indiana? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
Your uninsured motorist coverage may pay for your injuries. An attorney can help you pursue these benefits from your own policy.
It applies when the at-fault driver has insurance, but not enough to cover your losses. Your UIM coverage makes up the difference up to your limits.
Using coverage for a crash that wasn't your fault generally should not raise your rates, though you should review your policy and consult an attorney.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Indiana attorney.