• Car Accident
• Social Security Disability
• Mirena Recipients:
• Yaz, Yasmin, Nuva Ring
• Actos & Bladder Cancer
• Transvaginal Mesh
• Hip Implants
• Dialysis: Granuflo & Naturalyte
• Overtime Law
• Medical Malpractice
• Nursing Home Abuse
• Car vs. Commercial Truck Accidents
• Construction Accidents
• Dangerous Prescription Drugs
• Dog Bites
• Motorcycle Accidents
• Pedestrian & Bicyclist Accidents
• Slips and Falls

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4 Types of Indiana Car Insurance You Should Carry (Part A)

Minimum liability insurance coverage is required in Indiana as well as every other state, but on average, 1 in 5 motorists are uninsured or underinsured. Approximately 1 out of 5 drivers lack adequate Indiana car insurance coverage. If you've been injured in an accident and have trouble with your insurance provider or the at-fault driver's insurance provider, contact a Muncie, Indiana attorney to schedule a no-cost consultation and discuss your options.

While you can't control what decisions others make about their insurance or how they behave on the road, you can take steps to ensure you are protected against irresponsible motorists.

Uninsured and Underinsured Motorist (UM/UIM) Coverage in Indiana

Indiana law mandates that all motorists have at least $25,000 of liability insurance coverage for the bodily injury of a single person, $50,000 per accident, and $10,000 coverage for destruction of property per accident. Unfortunately, not everyone has the required coverage. Being in an accident with one of these drivers could cost you thousands of dollars.

Uninsured and underinsured motorist coverage - separate policies but usually sold together - apply when you are in an accident with a driver who is either uninsured or whose insurance policy limits are exceeded by the cost of damage.  

If a driver is uninsured and causes injuries or property damage, your UM coverage will pay for medical expenses of you and your passengers up to the limits of your policy. In some cases, property damage can also be covered by UM.

Underinsured motorist coverage applies when the at-fault driver's policy is surpassed by the value of the damage caused. Serious accidents can easily exceed $25,000, so UIM covers the difference after the other driver's policy has maxed out its liability payment for the accident up the limits of your policy.

These policies are relatively low-cost and provide not only invaluable peace of mind, but also a practical solution when you are in an accident with an inadequately insured driver. If you experience complications with an Indiana car insurance claim, you should speak with a Muncie, Indiana attorney who can answer your questions after your accident.

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