When involved in an accident caused by an uninsured or underinsured motorist, most accident victims can still recover compensation based on their own insurance policies. However, after filing their claims, sometimes injury victims encounter difficulties with getting insurance company approval. In a serious accident case, our injury lawyers at Ward & Ward can review your policy and the details of your auto accident to ensure you receive fair treatment in your insurance claim.
Under Indiana law, all drivers must carry auto insurance. Unfortunately, not everyone obeys the law, and you may find the driver who caused your accident has no insurance. Even so, for those who carry auto insurance, Indiana law requires insurance companies to include uninsured and underinsured motor vehicle coverage. Therefore, unless you rejected the inclusion in your insurance, your policy should cover damages caused by uninsured and underinsured motorists.
The minimum liability limits for uninsured motorists are:
Minimum liability limits for underinsured motorists are $50,000 for bodily injury. Of course, policy holders can purchase policies with higher limits.
When the at-fault driver has no insurance, accident victims file car accident claims with their own insurance companies to recover damages under their uninsured motorist provision.
When the at-fault driver has insurance, victims file claims with the at-fault driver’s insurance company. Depending on the extent of your personal injuries, you may find that the other driver’s policy limits do not fully cover your damages. At this point, you file with your own insurance company, which should cover the difference under the underinsured motorists provision of your coverage.
Ward & Ward helps clients by reviewing the legal terms of their insurance policies, verifying the limits and evaluating whether further damages can be covered under the policy’s coverage. Sometimes, we find that an insurance company is in breach of contract or treated a client in bad faith by wrongfully denying or delaying a claim. We can protect your rights, resolve disputes and reach a fair settlement through the use of mediation or arbitration. If necessary, we can take your case to trial.
Contact Ward & Ward online or at 317-639-9501. We offer free initial consultations and are available to speak with you 24 hours a day, 7 days a week.