Uninsured Motorist Accident in Indiana
Car accidents occur on Indiana roads each day as a result of drunk driving, texting, and speeding. These accidents can lead to serious injury and victims incur medical bills, property damage, lost wages, and pain and suffering. Insurance adjusters, mechanics, and doctor appointments are all scenarios that most people don’t have the time to deal with on short notice.
Most Indiana drivers prepare for accidents by obtaining an insurance policy when their vehicle is purchased. However, 16.7% of drivers in Indiana are uninsured motorists. You can have peace of mind knowing that you are an insured driver, but what about all other drivers on the road? When you are involved in an accident with an uninsured motorist, you will have many thoughts running through your head including:
- How will this affect your insurance?
- Will you be able to recover damages?
- What are the first steps to take?
Collect As Much Information As Possible
Even though the other driver is uninsured, it is important to always call police after a car accident in Indiana. The police will document the scene and create a report. The police report can help back your side of the story and be used to prove that you were not at fault for the accident. The other driver may try to convince you to keep the police out of it, but always call them so that you have proper documentation.
Gather as much information about the accident as possible including pictures of the damage, document injuries, and exchange contact information. It is important to document and preserve as much information as you can at the scene.
Uninsured/Underinsured Motorist Coverage
An uninsured driver has no insurance, which means you will likely have to recover damages through your own insurance. In Indiana, if you are an insured driver, you will have uninsured and underinsured motorist coverage unless you specifically rejected it.
Uninsured motorist coverage exists to cover your accident expenses when you are involved in an accident at the at-fault driver is uninsured. Uninsured motorist coverage give you peace knowing you are covered if you are involved in a car accident in Indiana.
Underinsured motorist coverage exists to bridge the gap between the expenses incurred in the accident and the policy limits of the at-fault driver’s insurance. Both uninsured and underinsured drivers can face consequences such as driver’s license suspension and financial penalties.
Help From An Indiana Car Accident Attorney
If you have suffered injuries in a car accident where the at-fault driver was uninsured or underinsured, do not hesitate to contact an experience Indiana car accident attorney. A skilled attorney can help you recover damages through your insurance company, the other driver’s insurance company, or both. When you are involved in an accident, always seek medical attention immediately and then schedule an appointment with a qualified car accident attorney.