Under Indiana law, all drivers must carry auto insurance. Unfortunately, you may find that the driver who caused your accident has no insurance or not enough insurance to cover your loss. All hope is not lost. In that case, your insurance policy may provide help through uninsured and underinsured motor vehicle coverage.
Uninsured Motorist Claim
When the at-fault driver has no insurance, you can file a claim with your own insurance company to recover damages under the uninsured motorist provision in your policy.
Underinsured Motorist Claim
When the at-fault driver has insurance, you can file a claim with the at-fault driver’s insurance company. Depending on the extent of your injuries, you may find the other driver’s policy limits do not fully cover your damages. At this point, you will file with your own insurance company, which should cover the difference under the underinsured motorist provision of your auto policy.
The Law Office of Shannon G. Starr, LLC handles auto accident cases. To learn more, contact Shannon at firstname.lastname@example.org.
Disclaimer – The content of this article is intended to be general and informational in nature. It is advertising material and is not intended to be, nor is it, legal advice to or for any particular person, case or circumstance. Every situation is different and you should consult an attorney if you have any questions about your situation.