Car accidents on Indiana roads are all too common, often resulting in property damage and even serious injuries. Careful motorists protect themselves and others from the financial consequences of car crashes by maintaining liability insurance coverage on all of their vehicles. Sadly, not everyone takes this responsibility seriously.
According to a study by the Insurance Research Institute, one in eight drivers in the United States is uninsured. Think about how many cars you meet on your daily commute alone. If even one in 20 of them has no insurance, the odds of an accident involving an uninsured driver are dangerously high. One in eight is frightening. The good news: We can take responsibility for ourselves to protect us in the event an uninsured driver causes an injury in a motor vehicle accident.
Peace of mind through insurance coverage
When you purchase uninsured motorist coverage through your own insurance policy, you are financially protected in the event a driver with no liability insurance injures you in a car crash. Your compensation from the car accident will come from your own policy, not the other driver’s.
Required coverage may not be enough
In Indiana, the following levels of uninsured motorists coverage are required by law:
- $25,000 in bodily injury coverage per person, $50,000 per accident
- $25,000 in property damage coverage
Minimum coverage will quickly run out in the event of an accident resulting in a serious injury. Drivers should carry higher uninsured coverage limits if possible so that their needs will be met in the event an uninsured driver causes them harm.
You still may be in for a legal struggle
Even though benefits come from your own insurance policy and not the other driver’s, you may still have difficulty getting a fair outcome. If an uninsured or underinsured driver injured you or someone close to you, you should consult with an attorney who has experience handling these types of cases.