What to Do If You Are Hit By an Uninsured or Underinsured Driver
Uninsured/Underinsured Motorist Lawyers in Indianapolis
In Indiana, all drivers are required to carry minimum liability insurance of $25,000 per injured person or $50,000 per accident, as well as $10,000 in property damage liability. However, many Indiana drivers are uninsured. Even if you are hit by someone who carries the minimum liability coverage, it is doubtful that this coverage will be enough to compensate you for your damages, especially if the accident left you facing catastrophic injuries.
If you were involved in a hit-and-run accident, struck by an uninsured motorist, or injured by a driver whose insurance coverage does not meet your needs, you may be able to recover compensation through your own insurance policy. Uninsured and underinsured motorist (UM/UIM) coverage is not mandatory in Indiana, but it is possible that you do already have this coverage in your auto insurance policy if you have not rejected it in writing.
Contact our Indianapolis uninsured/underinsured motorist attorneys for a free consultation regarding your claim. Call Tabor Law Firm at (317) 236-9000 today.
What Does UM/UIM Cover?
The exact damages covered by your UM/UIM insurance may vary, depending on your specific policy and your insurance provider.
However, in most cases, UM/UIM covers the following:
- Medical bills (past, current, and future)
- Lost income/wages
- Lost or reduced earning ability
- Pain and suffering
- Property damage
Additionally, UM/UIM coverage can typically be applied to the policy holder, as well as his or her passengers and, in some circumstances, his or her immediate family members (such as a spouse or child).
As previously mentioned, UM/UIM coverage is not required by Indiana law. However, we at Tabor Law Firm strongly recommend that you add this coverage to your auto insurance policy. Accidents involving uninsured drivers are not uncommon; many people choose to flee the scene of an accident because they do not have insurance or for other reasons. Additionally, many drivers only carry the minimum required liability coverage. If you are injured by an uninsured or underinsured motorist, or you are not able to get the at-fault driver’s contact information, you may be out of luck unless your own policy includes UM/UIM coverage.
Call Tabor Law Firm for a Free Case Evaluation
It is important that you discuss your legal options with an experienced UM/UIM lawyer in Indianapolis. The legal team at Tabor Law Firm has more than a century of combined legal experience—we know what it takes to navigate the system and handle these types of complex claims. To talk to a lawyer about your case, reach out to our firm today and request a free initial consultation. We do not charge any attorneys’ fees unless we are able to successfully recover compensation on your behalf.
Call (317) 236-9000 or submit an online contact form today.
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