Indianapolis Uninsured Driver Accident Lawyer
In Indiana, all drivers are required to carry minimum liability coverage or provide proof to the Indiana Bureau of Motor Vehicles that they can provide compensation to an injured motorist in the event of an accident. Unfortunately, many drivers don’t adhere to these legal requirements, which can leave injured parties unsure of how they will cover mounting medical expenses, as well as household expenses, often while being forced to take time off of work. There are, however, options for injured motorists who find themselves in this situation, so if you were recently injured in an accident with an uninsured driver, it is important to contact an experienced Indianapolis uninsured driver accident lawyer who can evaluate your case and advise you accordingly.
Minimum Auto Insurance Requirements in Indiana
All Indiana drivers are required to carry an insurance policy with coverage of at least:
- $25,000 for bodily injury or death per person;
- $50,000 for bodily injury or death per accident; and
- $10,000 for property damage per accident.
While most drivers are careful to obtain this coverage, an alarming number fail to fulfill this duty, which can have devastating consequences for injured parties in the event of an accident, especially if the motorist in question doesn’t have uninsured/underinsured motorist coverage.
Uninsured/Underinsured Motorist Coverage
Although Indiana law doesn’t require that motorists obtain liability insurance, most are strongly encouraged to do so, as this coverage ensures that if a policyholder is involved in an accident with an uninsured motorist, that individual can file a claim with his or her own insurance company. Under these policies, injured parties can recover compensation for medical expenses, property damage, lost wages, pain and suffering, and emotional distress. Fortunately, uninsured/underinsured motorist policies must legally be included in every auto insurance policy contract entered into in the state, unless the policyholder specifically rejects such coverage.
Drivers who do have uninsured motorist coverage and are injured in an accident with an uninsured driver will need to file a claim with their own insurance company. These types of claims are handled in essentially the same way as a liability insurance claim in that they require proof that another driver caused the accident and the policyholder was injured in the collision. Insurance companies don’t automatically pay out all uninsured motorist claims, so motorists who find themselves in this situation are still encouraged to speak with an attorney before proceeding with their claims.
Filing a Claim in Court
Motorists who don’t have uninsured motorist coverage, on the other hand, may need to seek a money judgement from the at-fault party in court. Unfortunately, these kinds of claims can be difficult to pursue, as drivers who are unwilling or unable to pay for liability insurance often don’t have enough assets to pay a court ordered judgment either, making it especially important for injured parties to speak with an attorney before they file a claim in court.
Call Today for Help from an Indianapolis Uninsured Driver Accident Lawyer
To speak with an experienced uninsured driver accident lawyer about recovering compensation for your own accident-related losses, please call Keffer Hirschauer LLP at 317-455-4043 today.