Like most states, Indiana is a tort state when it comes to car accidents. This means that when a car accident takes place, someone will be considered “at fault.” This party can then be held liable for the damages caused by the accident. In the state of Indiana, drivers are only required to carry $25,000 in coverage for injury or death to one person, $50,000 per accident, and $10,000 in property damage. Generally, if you are injured in a car crash, this means that you can file a claim with your own insurance company or with the other driver’s insurance company; alternatively, you can go to court. Nevertheless, many drivers do not have sufficient insurance to cover either their own or another person’s injuries. If you are one of these uninsured or underinsured drivers and are involved in an accident, your case will unfold somewhat differently.
If You Caused the Accident
If you are without insurance and are found to be at fault for the accident, you may be put in a tough position financially. You will typically be required to compensate the other driver for costs associated with medical bills, lost wages, psychological trauma, and property damages, based upon the facts. The law provides claimants a variety of ways to pursue compensation. Drivers who are uninsured are not let off the hook for accidents in Indiana: It’s advisable to purchase insurance that will adequately cover you in the event of an accident. Drivers who are caught driving without valid insurance are also subject to fines and penalties. At Jacobs Law LLC, we routinely help drivers who have been injured by uninsured motorists.
If Another Driver Caused the Accident
Even if you are uninsured and another driver caused you injury, you may still receive compensation for your injuries and other damages. You can pursue damages not only for immediate medical bills, but projected future medical care, psychological damage, and other intangible costs to your quality of life. Even if you do not carry insurance, you may file a claim with the at-fault party’s insurance company. Some drivers have underinsured or uninsured motorist insurance to cover damages in this type of situation.
How to Proceed After an Accident
If you were injured by an uninsured driver, or if you yourself do not have insurance, you should contact an experienced car accident attorney as soon as possible. If you were hit by an uninsured driver, there’s no need to panic. At Jacobs Law LLC, we know how to approach car accident cases in which a driver was uninsured. We have over 50 years of experience in Indiana helping clients just like you. We’ll apply our considerable knowledge in this area of the law to pursue fair compensation for you or an injured loved one, while you focus on your health and recovery. Contact us today to schedule a free consultation. We require no fees until you recover compensation through our efforts.