What is uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage is a form of auto insurance coverage that is available in Indiana. This coverage provides you with financial protection if you suffer property damage or bodily injury in an accident caused by someone who does not have car insurance or does not have enough car insurance. It pays for costs that are not covered by the at-fault driver’s policy, such as medical bills, lost wages, and other expenses caused by the accident. It may also provide additional coverage if the other driver is deemed to be “underinsured,” which means that their insurance policy does not fully cover the damage or other expenses associated with the accident. In Indiana, the state minimum limits for this coverage are $25,000 for injury caused to one person in a single accident, and $50,000 for injury caused to two or more people in the same accident. Additionally, the state of Indiana requires insurers to offer additional uninsured/underinsured motorist coverage with limits of at least $50,000 per person, and $100,000 per accident. This protection can help provide you with financial security if you are injured in an accident that is not your fault. It also ensures that you have the resources to cover your damages and other expenses in a timely manner, so that you can focus on recovery rather than worrying about paying for your medical bills.

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What is uninsured/underinsured motorist coverage?

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