As noted by the Indiana Department of Insurance, each newly written Indiana auto liability policy must include uninsured and underinsured motorist coverage – unless it is rejected by the insured in writing. These limits mirror those of bodily injury liability (what you pay if you’re at fault for someone else’s injuries), with stipulated minimums being $25,000 per person and $50,000 per crash.
Uninsured motorist (UM) coverage protects you in the event you are struck by an at-fault driver who does not have insurance or who fled in a hit-and-run accident. But just because you have this coverage does not mean you will be automatically entitled to collect it after a collision. Your Indiana car accident attorney will need to show:
- The driver who struck you was negligent/at fault for the crash;