What if the at-fault driver is uninsured or underinsured?

If the at-fault driver in an Indiana bicycle accident is uninsured or underinsured, the cyclist may still be able to recover compensation from their own insurance company. In Indiana, cyclists may be able to take advantage of the “uninsured/underinsured motorist” clause in their auto insurance policy. This clause provides coverage for an individual’s own costs and damages when the at-fault driver is uninsured or underinsured. In this situation, the cyclist would need to file a claim with their own insurance company and, if approved, the insurance company would pay for the cyclist’s damages. This payment can come from the cyclist’s own policy or from another policy they may be covered under, such as a spouse’s or parent’s policy. However, even if the cyclist has coverage, insurance companies are notorious for denying valid claims. Therefore, if the cyclist attributes the accident to a driver who is uninsured or under insured, it is recommended that they seek legal counsel to make sure they get the compensation they deserve. It is also important to consider the state’s financial responsibility laws. In Indiana, drivers must carry a certain level of liability insurance coverage in order to legally operate a vehicle. Therefore, even if the driver does not have enough insurance coverage to cover the cyclist’s expenses and damages, the at-fault driver will still be required to pay for the damage they caused.

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What if the at-fault driver is uninsured or underinsured?

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