Drivers in Indiana have to accept personal risk as the downside to the convenience generated by having one’s own motor vehicle. For example, every time people drive, they could cross paths with someone who is distracted or drunk at the wheel. Quite a few drivers regularly break “lesser” traffic laws in addition to those rare drivers who make outright-illegal driving choices. Technical violations of traffic rules, like speeding, are among the leading contributing factors to modern collisions.
Every driver in Indiana, therefore, has to carry liability insurance coverage in case they cause a crash. Their policy will help to reimburse victims for their expenses related to the wreck. For many people, the top priority when buying insurance coverage is keeping costs as low as possible, but others see the value in adding additional coverage to their policies. Uninsured motorist protection is one of the most popular add-ons for Indiana car insurance policies.
What uninsured motorist protection provides
Standard liability coverage makes the people affected by a crash dependent on the person who caused the wreck. If they are irresponsible enough to violate numerous traffic laws, they might also ignore the rule requiring them to carry liability insurance. When someone without insurance causes a crash, the people affected may not have the coverage they need to repair their vehicles or pay their hospital bills after the collision. An uninsured motorist makes everyone else absorb the risks generated by their unsafe practices.
Those who add uninsured motorist coverage to their policies have protection against those Indiana drivers who don’t care about how much risk they cause for others. Uninsured and underinsured motorist protection should be an option for anyone buying or renewing a policy. These extra forms of coverage can allow those affected by a crash to connect with more thorough compensation for their losses without automatically needing to go to court.
Personal injury lawsuits may also be necessary
If there is any downside to making a claim against uninsured motorist protection after a wreck, it would be that a sizable claim would very likely increase how much someone pays for insurance when their policy renewal occurs.
Those who pursue a personal injury lawsuit after a crash caused by an uninsured motorist can help to preserve their own lower insurance premiums while holding the right person accountable for the injuries they’ve suffered. Having proper coverage before a crash occurs can be as important as knowing what steps to take after a wreck occurs in Indiana.