According to a 2019 report by the Insurance Information Institute, Indiana ranks 15th in terms of the total number of uninsured drivers throughout the United States. Surprised?
Unfortunately, attorney Matt Boulton routinely works with clients and Hoosiers throughout the state who have been involved in accidents with uninsured drivers. This is especially common in Indiana hit-and-run cases, as the liable driver may flee the scene simply due to the fact that they are uninsured.
Uninsured Indiana accidents are an all too common scenario that can leave you with a number of questions about your next steps, such as whether or not you will be able to file a personal injury claim.
Before we discuss your options, we first want to explain Indiana’s car insurance requirements and the various types of coverages included in each policy.
Indiana’s Minimum Insurance Requirements
Each state has specific requirements with regard to car insurance coverage, and while carriers such as State Farm, Allstate, and Geico offer a number of options, Indiana requires every driver to carry a policy that includes, at a minimum, the following liability coverage:
- Bodily injury liability coverage: $25,000/$50,000
This portion of your insurance policy pays out a maximum of $25,000 per person and $50,0000 per accident in the event that you have any liability for an accident that results in injury to another party. This would cover items such as their hospital bills, lost wages, and any pain and suffering.
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- Property damage liability coverage per accident: $25,000
This portion of your insurance policy is responsible for covering the other party’s property damage (not to exceed $25,000) that resulted from the accident, such as auto body repairs, personal property, or damage to physical structures, e.g., homes, mailboxes, city or state property.
- Uninsured Motorists (UM) Coverage: $25,000
Specific to this article, the minimum amount of Uninsured coverage you can purchase to protect yourself is $25,000.
However, Matt suggests you boost your Uninsured coverage when possible, as $25,000 can be reached quickly following a serious accident. In most instances, it only costs Indiana drivers a few additional dollars a month for added Uninsured protection.
- Underinsured Motorists (UIM) Coverage: $50,000/$50,000
Assuming both drivers have auto insurance, this coverage can be used to make up for any gap that exists between your bills and the limits of the other party’s insurance policy.
For example, if you were struck by a driver who was carrying a policy with limits of $25,000/$50,000 and your hospital bills exceeded $25,000, the Underinsured portion of your policy would provide an additional $50,000 in coverage.
Always be sure to check that your policy includes Uninsured Motorists and Underinsured Motorists coverage.
What Are Your Options After Being Hit by an Uninsured Driver?
Matt has seen a number of uninsured accident scenarios occur on Indiana’s roads, such as:
- Clients who were involved in hit-and-run accidents
Whether or not the negligent driver was ever located, there is a possibility that they were uninsured, thus being one of the reasons they may have left before police arrived.
If you were involved in a hit-and-run, Matt may be able to file an uninsured claim on your behalf, even if an investigation is ongoing in an attempt to locate the other driver. (If the other driver is found and there is an applicable policy, your insurance company will make arrangements to be reimbursed by the liable insurance carrier.)
- Clients who were struck by a driver whose insurance policy had lapsed.
If the other party failed to pay their premiums, it is possible that their insurance policy was not in effect at the time of your accident, thus leaving them uninsured. Matt has investigated and settled a number of uninsured cases that involved lapsed liability policies.
- Clients who were struck by a driver who readily admits to not having insurance.
In the event that you are struck by a party who openly claims to not have insurance, the uninsured claims process will work in the same manner as it would in either of the above scenarios.
Matt will file an uninsured claim on your behalf and negotiate with your insurance company to make sure that you receive maximum compensation for your Medical Bills, Lost Wages, and any Pain and Suffering.
Uninsured Indiana Accident Attorney
Attorney Matt Boulton has been helping injured Hoosiers for more than 25 years, including victims of uninsured car, truck, and motorcycle accidents.
Matt’s track record of success with uninsured accident cases has been partially responsible for being recognized by clients and peers alike as one of Indiana’s top personal injury attorneys.
If you were involved in an uninsured auto accident, Boulton Law Group offers a Zero Fee Guarantee, meaning you will never be charged for a case review and the only time we collect payment is after we win your case.
Matt reviews every submission received through the firm’s website. If you wish to send him your story, you may use our confidential contact form.