Understanding Auto Insurance Coverage In Indiana

As a driver or motorcyclist in Indiana, having the right auto insurance coverage is crucial to protect yourself and your loved ones in the event of an accident. However, navigating the complex world of insurance can be overwhelming.

At Ladendorf Fregiato & Bigler, we have more than 70 years of combined experience representing accident victims in Indiana.

On this page, we will break down the essential things to know about auto insurance coverage in Indiana, so you can make informed decisions about your policy.

If you have been in an auto accident and wish to speak to one of our attorneys about your insurance coverage and legal options, please call us at 317-842-5800.

Types of Auto Insurance Coverage in Indiana

In Indiana, there are several types of auto insurance coverage that you should be aware of:

1. Bodily Injury Liability Coverage: This coverage will take care of the other person’s injury claim against you if you cause an accident. It covers medical bills, lost wages, and pain and suffering.
2. Property Damage Liability Coverage: This coverage will take care of the other person’s property claim against you if you cause an accident. It covers damage to vehicles, phones, car seats, and other property.
3. Medical Payments Coverage: This is “no-fault” insurance coverage that will cover any medical bills you incur as a result of an accident, up to your limit, regardless of who is at fault.
4. Uninsured/Underinsured Motorist Bodily Injury Coverage: This coverage will kick in if you are hit by another driver who doesn’t have liability insurance or has less insurance coverage than you. It will cover your medical bills, lost wages, and pain and suffering, up to your limits.
5. Uninsured/Underinsured Property Damage Coverage: This coverage will kick in if you are hit by another driver who has less insurance coverage than you or no insurance. It will cover your property damage.
6. Comprehensive Physical Damage Coverage: This coverage will help pay to replace or repair your car if it is stolen or damaged in an incident that’s not a collision, such as fire, vandalism, or falling objects.
7. Collision Physical Damage Coverage: This coverage will help cover physical damage repairs if you collide with another vehicle or object.

While these various types of auto insurance coverage are designed to provide protection in the event of an accident, it’s important to remember that insurance companies are known to deny, delay, or reject claims – even valid ones. This can leave you with significant financial burdens and stress during an already difficult time.

If you’re facing the aftermath of a car accident resulting in serious injuries, it’s crucial to work with a lawyer who can help you navigate the complex claims process and ensure you receive the compensation you deserve. At Ladendorf Law, we are here to help you understand your rights and options, so you can focus on your recovery.

Indiana’s Minimum Insurance Requirements

In Indiana, the minimum amount of auto insurance coverage required is:

• $25,000 per person: Death or bodily injury
• $50,000 per accident: Death or bodily injury
• $10,000 per accident: Damage to other people’s property
• $25,000 per person: Uninsured/underinsured motorist coverage
• $50,000 per accident: Uninsured/underinsured motorist coverage

Although these coverage limits offer a degree of financial protection, they may fall short of fully addressing the extensive costs associated with a severe accident, potentially leaving you with significant out-of-pocket expenses.

Recommended Coverage Amounts

No one ever expects to be in an accident, but when one happens the financial impact can be life-changing. For this reason, we recommend carrying higher coverage amounts than required to help ensure coverage in the event of a serious car accident. It is always worth getting quotes on different coverage levels from your insurance agent or broker. You may be surprised at how little a lot of extra coverage may cost.

What to Do After an Accident

If you are involved in an accident, follow these steps:

1. Call 911 and get medical help.
2. Call the police.
3. Take photographs of the accident scene and any damage.
4. Exchange information with the other driver, including photos of IDs, license plates, and insurance cards.
5. Seek medical attention if you are injured.
6. If hurt, seek legal advice as soon as possible.
7. If your car or motorcycle was towed, get it out of the tow yard as soon as possible if you have a place to store it.
8. Don’t talk to insurance companies until you talk to an attorney.

Motorcycle Riders: You’re Part of Our Community

At Ladendorf Fregiato & Bigler, we’re proud to be a part of and support the motorcycle community in Indiana. We understand the unique risks and challenges that motorcyclists face on the road, and we’re committed to supporting and protecting you if you have been injured in an accident.

As a rider, it’s essential to have the right insurance coverage to protect yourself and your bike in the event of an accident. Here are some things to keep in mind when purchasing insurance:

• Separate Policy & Liability: Ensure you have a dedicated motorcycle insurance policy that offers adequate liability coverage for your bike.
• Comprehensive & Collision Coverage: Consider adding these coverages to protect your motorcycle from damage or theft.
• Custom Parts & Accessories: Verify that any custom parts or accessories on your bike are included in your policy.
• Protective Gear: Always wear protective gear like helmets, gloves, and durable clothing to minimize injury risks.
• Household Riders: If someone from your household will ride your bike, include them on your policy.
• Policy Listing: Ensure your bike is listed on your insurance policy.
• Coverage Limits: Understand that policy limits are the maximum the insurer will pay.
• Understanding “Full Coverage”: Recognize that “full coverage” typically means a combination of liability, comprehensive, and collision coverage, not an all-encompassing policy.

What To Do After A Motorcycle Accident

We are committed to helping you protect yourself and your bike. If you’re a motorcyclist who’s been injured in an accident, don’t hesitate to reach out to us for help. In the event of a motorcycle accident, to protect your investment in your vehicle, remember to:

• Take pictures of your bike.
• Keep receipts and paperwork from shops.
• Keep a journal of work you did on your bike, including dates and parts used.
• Use these documents to support the value of your motorcycle in the event of an accident.

Questions? Contact Our Indianapolis Law Office Today.

It’s essential to understand the various types of auto insurance coverage available in Indiana to make informed decisions about your policy. Considering your individual circumstances and budget, you may want to explore different coverage options to help you prepare for unexpected events.

Remember to always carry as much insurance as you can reasonably afford, and don’t hesitate to seek legal advice if you are involved in an accident.

To reach a lawyer from Ladendorf Fregiato & Bigler in Indianapolis, please contact us online.