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Everyone's worst nightmare: Hit by an uninsured driver

It is hard to imagine driving around without car insurance, but thousands of people do it in Indiana every day. In fact, more people drive around uninsured than you might think. 14.2 percent of Indiana drivers do not carry insurance. Their lack of insurance not only puts them at risk but everyone else on the road. It is important to know what to do if you are hit by an uninsured motorist.

Drivers are legally required to purchase vehicle insurance in Indiana. The bare minimum requirements for driver's insurance are:

  • $25,000 coverage for bodily injury (per person)
  • $50,000 for bodily injury per accident
  • $10,000 for property damage

Not everyone abides by the law

Anyone who gets into a car accident without insurance can lose their driving privileges' for 90 days to a year. Even with the threat of losing their ability to drive, people continue to get behind the wheel without insurance. Fortunately for drivers who follow the law, you have an extra line of protection built into your current insurance.

All motor vehicle insurance companies in Indiana are required to offer their customers coverage for uninsured motorists. Not only that, but the only way you can opt out of uninsured motorist coverage is by doing so in writing. You are likely protected up to at least $50,000 per accident, which is the minimum coverage requirement.

Sometimes it is not enough

Vehicle accidents can be much more expensive than people expect, especially if they get injured. Between motor vehicle damage, hospital bills and missed work days the cost can really add up. Sometimes the minimum amount of uninsured motorist coverage cannot take care of your needs. If this is the case then you can file a personal injury lawsuit to cover your damages. A personal injury lawsuit can cover everything from your totaled car to your missed wages.

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