What Happens If You Get Hit by an Uninsured Driver in Indiana?

Getting hit by an uninsured driver in Indiana can create a major financial headache. While Indiana law requires every driver to carry auto insurance, many people still drive without coverage. If you are involved in an accident with one of these drivers, knowing how your policy works is essential.

Indiana’s Fault-Based Insurance System

Indiana is an at-fault state, which means the driver responsible for the accident is also responsible for paying damages. In theory, the at-fault driver’s liability insurance would cover your medical bills, lost wages, and damage to your car.

The problem comes when that driver has no insurance. Without protection in place, you may struggle to collect any compensation.

Uninsured Motorist Coverage in Indiana

Uninsured Motorist Coverage (UM) is one of the best ways to protect yourself in this situation. In Indiana, insurance companies are required to offer UM coverage, but drivers can reject it in writing. If you keep it on your policy, it can pay for:

• Medical bills for you and your passengers

• Pain and suffering damages

• Lost income caused by the accident

This coverage is especially valuable if you are hit by someone with no insurance or if you are the victim of a hit-and-run accident.

Underinsured Motorist Coverage in Indiana

Underinsured Motorist Coverage (UIM) applies when the at-fault driver has insurance, but not enough to cover your full losses. For example, if your damages are $100,000 and the other driver only has $25,000 in liability coverage, your UIM can step in to pay the difference, up to your policy limits.

Vehicle Damage After an Accident with an Uninsured Driver

Uninsured Motorist Property Damage (UMPD) may be available in Indiana, depending on your policy. This coverage helps repair your vehicle if you are hit by an uninsured driver. If your policy does not include UMPD, you would need to rely on your collision coverage to pay for repairs. Without either of these coverages, you may be left paying out of pocket.

Steps to Take If You Are Hit by an Uninsured Driver

1. Call the police so the accident is properly documented.

2. Gather as much information as possible about the other driver and their vehicle.

3. Take photos of the accident scene and the damage.

4. Contact your insurance company immediately.

5. Review your policy with your agent to confirm your coverage.

   
   

Why This Coverage Matters

Being hit by an uninsured driver in Indiana can leave you with significant costs if you do not carry the right protection. Uninsured and underinsured motorist coverage is relatively inexpensive but can save you thousands of dollars in the event of a serious accident.

👉 At Corsi Agency, we help Indiana drivers choose the right auto insurance protection so they are never left financially vulnerable. If you are not sure whether your policy includes uninsured or underinsured motorist coverage, call us today at (269) 555-1234 or email christy@corsiagency.com for a policy review.