Home Car Accidents Uninured Drivers

Did You Get Hit by an Uninsured Driver?

Our Indianapolis car accident lawyers fight for justice if a driver hit you without insurance.

Even though all drivers in Indiana must have car insurance, some people still drive without it. Some might think it's too expensive, while others might not even be allowed to drive because their licenses are suspended. Our team of car accident lawyers understand the real risk of getting into an accident with an uninsured driver, so it's crucial to make sure you're appropriately protected.

The legal team at Emerson Divorce and Accident Injury Attorneys in Indianapolis is here to help if you've been in a car accident with a driver who doesn't have insurance. We serve the greater Indianapolis area and the entire state of Indiana. When you reach out to us, one of our skilled lawyers can assist you if you or a family member has been hurt because of a driver who doesn't have insurance.

Who Pays for My Damages if an Uninsured Driver Hits Me?

Car accidents can be tough on your body and wallet. The medical bills can pile up fast, especially if you cannot work. It's not fair if the accident wasn't your fault, so who will take care of the bills?

In Indiana, if you're driving, your insurance policy should cover at least:

  • $25,000 for each person in case of injury
  • $50,000 for all injuries per accident, and
  • $25,000 for any property damage per accident

You can also get extra coverage for more protection in specific situations.

To make sure you're protected if you're in a car accident with a driver who doesn't have insurance or enough insurance, you can get something called uninsured or underinsured motorist coverage. This means your insurance company will pay your bills if the other driver can't.

In Indiana, uninsured motorist insurance coverage will help cover the financial damages caused by a hit-and-run driver if you report the accident to the police. It covers costs up to the limit stated in your policy.

What if I Don't Have UM or UIM Coverage?

If you don't have this insurance, your ability to get money to cover your costs is restricted. You might take legal action against the person who caused the accident. They might not have enough money to pay you even if you win. Sometimes, you can sue a different company responsible for the accident, like a car parts manufacturer.

If you live in a state where personal injury protection (PIP) is available, you may get compensation for medical expenses, lost wages, and daily assistance through your PIP policy. Additionally, depending on your policy limits, medical payments (MedPay) coverage can help with some of your medical expenses. Unfortunately, PIP coverage is not an option in Indiana.

You can also use your health insurance to help pay for some medical expenses but remember that you may still have to pay some costs out of pocket.

Contact Lawyers Experienced in Handling Uninsured Driver Cases

Have you been in a car accident with a driver who doesn't have insurance? Our team has been assisting people hurt in car accidents for nearly a decade. We've dealt with lots of cases like yours. Our lawyers will do everything they can to help you get the money you deserve. We understand how tough it can be for you and your family after a car accident with an uninsured driver, and we're here to support you.

If you've been hurt in a crash because the other driver didn't have insurance, find out how we can assist you. Get in touch with us now to set-up a meeting with Jill Bracken-Emerson, an Indianapolis car accident lawyer. Your first meeting is free, and you won't owe us anything unless we win your case.

We’re Here to Help You!

We are available by phone 24/7 to discuss your case, and we make it a priority to answer all of your questions as soon as possible.

(317) 969-8000

What Our Clients Say

Very professional and knowledgeable, and fighter when needed.”
- Tyler Height, Emerson Law Client
Google Review
JR is a problem solver, he works well with people and is very comfortable in court. My ex and I are decent friends and JR made this a very easy thing for us. I hope you the same! Glad I chose JR, couldn't have imagined this going any smoother than this!”
- Amanda, Emerson Law Client
Google Review