Car accidents are already stressful, but finding out the driver who hit you is uninsured adds an entirely new level of frustration. You may be wondering: Who will pay for my medical bills? What about the damage to my car? Am I just out of luck?
If you’re in Indiana and facing this situation, the guide below will outline your options and the necessary steps to take.
Indiana Law Requires Drivers to Have Insurance—But Not Everyone Follows the Rules
Under Indiana law, every driver is required to carry minimum auto insurance coverage. As of 2025, that includes:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
Unfortunately, not everyone follows the law. If the at-fault driver is uninsured, recovering compensation becomes more complicated—but not impossible.
Step 1: Check Your Own Insurance Policy To Determine Your Options
This is where uninsured motorist coverage (UM) comes in. In Indiana, insurance companies are required to offer UM coverage, and unless you explicitly rejected it in writing, it’s probably included in your policy.
Uninsured motorist coverage can help cover:
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage
Think of it as a safety net—your own insurance steps in to cover costs when the at-fault driver can’t.
Step 2: File a Claim Under Your UM Coverage
You must file a claim with your own insurer, similar to how you would if you were involved in an accident with an insured driver. This process entails collecting evidence, including:
- A police report
- Photos from the scene
- Medical records and bills
- Witness statements
Even though you are dealing with your own insurance company, it is still in their financial interest to minimize payouts. Do not assume they are automatically on your side.
Step 3: Talk to an Attorney—Because “No Insurance” Doesn’t Mean “No Options”
If an uninsured driver has caused you harm, an experienced Indiana personal injury lawyer can assist you in examining your legal options and helping you fight for the compensation you deserve. This includes:
- Handling negotiations with your insurance company
- Investigating whether the at-fault driver has other assets (you may still be able to sue them directly)
- Reviewing whether other third parties (like employers or vehicle owners) could share liability
Remember, every accident is different. That is why at Kaushal Law, we treat your case like it matters—because it does.
What If I Do Not Have UM Coverage?
If you choose to forgo UM coverage, you may still have options following an accident. However, the process may become more complicated and involve the following options:
- File a personal lawsuit against the uninsured driver directly (though collecting may be difficult if they lack assets)
- Check if any third parties can be held responsible (e.g., a business vehicle was involved, or a poorly maintained road contributed to the crash)
- Use your health insurance for medical expenses, though this may still leave gaps
Review Your Legal Options, Contact Kaushal Law Today To Learn More
Being struck by an uninsured driver can feel like adding insult to injury, but you have options. With proper legal support, you can safeguard your rights, seek compensation, and prevent the financial strain from another person’s negligence.
At Kaushal Law, we help Indiana accident victims navigate even the most complicated situations with clarity, confidence, and compassion. While you focus on healing, we can focus on getting you the justice you may be entitled to.
If you have been injured by an uninsured driver in Indiana, let’s talk. Contact Kaushal Law today for a free consultation.
