What to Know About Uninsured Motorist Coverage in Indianapolis, Indiana

While auto insurance is required in most states, stats show one in eight drivers don’t have liability, which equals about 28 million. You may want to consider adding uninsured motorist protection to your car insurance in Indianapolis, IN.

How Uninsured Motorist Protection Works

Uninsured motorist protection is a type of car insurance in Indianapolis, IN
that covers you when the at-fault driver lacks coverage. It pays for the difference between the total damages and what the other driver should have in liability.

It saves you from having to pay out-of-pocket for repairs, property damage, or medical bills when you didn’t cause the accident. In some cases, the coverage pays for the medical expenses of passengers or someone driving your vehicle with permission. Some states require drivers to have UIM, but other states, including Indiana, make it an option.

Handling an Accident With an Uninsured Driver

File a police report and contact your insurance, regardless if the motorist tries to talk you out of it. You and injured passengers should seek immediate medical attention, even if you feel fine. Do not take any money offered by the driver or claim you are sorry for the accident.

Take pictures of the vehicle and anything at the scene that may help, such as stop signs. If you didn’t get photos, check with witnesses who may have photos or businesses with cameras. If the accident was a hit-and-run, UIM protection could be the only way you can recoup losses.

Given the stats on uninsured drivers, UIM may be worth having. If you need extra coverage, contact The Thompson Group today.

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