Getting into a car accident is stressful, and things become even more complicated if the driver at fault doesn’t have insurance. In Indiana, understanding your options in this situation can help you take the right steps to protect yourself. Dealing with an uninsured driver may seem overwhelming, but you can still recover compensation for your injuries and damages.
Uninsured motorist coverage in Indiana
Indiana law does not require drivers to carry uninsured motorist (UM) coverage, but it is highly recommended. This type of coverage protects you if an uninsured or underinsured driver causes the accident. If you have UM coverage, your insurance helps cover medical bills, vehicle repairs, and other costs related to the accident.
Without UM coverage, you may need to rely on your own resources or pursue the at-fault driver through a lawsuit. Unfortunately, many uninsured drivers lack the financial ability to pay for damages.
Legal options if the at-fault driver is uninsured
If the at-fault driver lacks insurance and you do not have uninsured motorist coverage, you still have a few legal options. You can file a personal injury lawsuit against the driver, but this depends on whether the driver has any assets or income to satisfy a judgment. Even if you win the case, recovering compensation may prove difficult if the driver does not have the funds.
If the other driver has no resources, recovering damages becomes almost impossible without insurance to cover the costs.
Indiana’s insurance coverage requirements
Indiana law mandates that drivers carry a minimum level of liability insurance. However, some drivers ignore this law and drive without the required coverage. When the other driver is uninsured, your insurance policy becomes even more important. Many people add UM coverage to their policies, offering protection against this risk.
Being involved in an accident with an uninsured driver does not mean you have to bear the full financial burden. Speak with your insurance provider to ensure you have the right coverage for such situations.
