Uninsured motorist coverage provides protection against uninsured drivers in Indiana.
The state of Indiana requires every driver to have liability insurance. This means that if a driver is negligent on the road and causes a car accident, he/she should be able to cover a minimum of $25,000 for every person involved in the car accident.
Unfortunately, not all drivers in Indiana obey this requirement and there are incidents of drivers getting into a car accident with another driver who is uninsured or underinsured. To help protect you against uninsured and underinsured motorists, you should purchase uninsured motorist coverage and underinsured motorist coverage.
A Look at Uninsured Motorist Coverage
In a scenario where you are involved in a car accident with a driver who is uninsured, it would be good to have uninsured motorist coverage in your insurance policy.
By having uninsured motorist coverage, you would be covered for your injuries and damages you sustain from the car accident, up to the limit you purchased. That way, you will not have to pay out of your own pocket if the negligent driver fails to have insurance.
Let’s say your injuries and damages run up to $50,000 and your uninsured motorist coverage is limited up to $25,000. You will have to pay the other $25,000 out of your pocket. By working with a team of Indianapolis lawyers, you can work to pursue all avenues of recovery and compensation.
What About Underinsured Motorist Coverage?
In a case where you have been hit by a negligent driver who is underinsured, it would be to your advantage to have underinsured motorist coverage in your insurance policy.
Underinsured motorist coverage will pick up the slack of the negligent driver. For instance, if the negligent driver has insurance to cover only 10% of the costs of your injuries and damages, your underinsured motorist coverage will pick up the rest of the costs/expenses up to the limit of your underinsured motorist coverage.
When an accident is not your fault and your injuries are going to necessitate long-term medical care and time away from work, you may opt to work with a team of Indianapolis lawyers. While your Indianapolis lawyers will fight your case to pursue the most compensation for your car accident, by having uninsured motorist coverage and underinsured motorist coverage, your Indianapolis lawyers will have an easier time helping to pursue sufficient damages.
Since most insurance companies give you the minimal amount for your car accident and your injuries and/or damages might be more than the limit of your coverage, it is always best to contact one of your Indianapolis lawyers to pursue a fair settlement.
