Accidents With Uninsured Drivers

If you’re in a motor vehicle accident in Indiana, it’s likely you’ll be asked about your auto insurance policy. In most cases, a person has to show proof of insurance to have a vehicle registered in their name. But a lot can happen between the time a vehicle is registered and when an actual accident happens.

At Greene & Schultz, our experienced attorneys are dedicated to making sure those who are involved in a motor vehicle accident are awarded as much as possible, regardless of whether the other driver was carrying insurance or not.

How Indiana’s “Fault” Insurance Laws Affect Accident Claims

One thing that distinguishes Indiana from other states is that “fault” insurance laws apply rather than “no-fault” laws. This means that instead of filing a claim with your own insurance company in the event of an accident, the claim is filed with the insurance company of the person who is deemed to be at fault for the accident.

Because the court awards compensation based on the percentage of fault each person is responsible for, having a good personal injury lawyer on your side can make a big difference.

Demonstrating Minimum Financial Responsibility

But insurance coverage isn’t always a sure thing — and it isn’t 100 percent required the way it is in other states. What’s important is that those who are driving are able to cover the minimum amount of expenses they would be responsible for in an accident. While most do this through auto insurance, some may choose to do this through their savings or some other method. In either case they need to show their ability to cover the following minimum expenses in the event of an accident:

  • $25,000 for bodily injury or death for a single person
  • $50,000 for the injuries or deaths of multiple people
  • $10,000 for other people’s property damage
  • $50,000 of coverage for uninsured or underinsured drivers

If you’ve been injured in a car accident involving an uninsured driver, recovering damages can be more challenging — but with a dedicated personal injury law firm on your side, bringing a successful uninsured motorist claim is far from impossible.

Contact Greene & Schultz online or at 812-558-0198 and together we can begin to assess your case and determine the best way to proceed. We help clients throughout Bloomington and the greater Indianapolis area, and offer free initial consultations.