Experienced Personal Injury Attorneys

Navigating Indianapolis Uninsured/Underinsured Motorist Claims

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are policies a driver purchases through their own insurance provider to get additional coverage if an uninsured or underinsured driver hits them. Drivers can reject it in writing, but coverage is often necessary, providing minimums of $25,000 per person and $50,000 per accident for an uninsured accident, along with $50,000 for both if the driver is underinsured.

Here at Hovde Dassow + Deets, LLC, we understand that more than 13% of drivers in Indiana do not have auto insurance. This creates major financial risks for those who may be involved in an accident and find that existing coverage doesn’t go far enough – and having correct coverage provides peace of mind and financial security. Our firm has nearly 150 years of combined experience, so we can help you file a claim when necessary.

How To File A UM/UIM Claim

If the other party has no insurance, you must file the claim through your own insurance carrier. Although there is a two-year statute of limitations in Indiana, it is usually best to act as quickly as possible. Contact your insurance company, file the claim and provide evidence like photos of the scene or a police report.

An underinsured driver simply doesn’t have enough coverage for all associated costs if they are deemed mostly at fault. Indiana law uses a comparative negligence system, which means you can only collect if you are less than 51% at fault.

One hurdle our clients face is that the insurance company is not on their side and may try to reduce their claims. An experienced law firm can help significantly as injured parties seek full compensation for all relevant costs.

Contact Us For A Consultation

With more than 150 years of combined experience, we are skillful advocates for all our clients. We can help you explore your legal options, communicate with the insurance company, file paperwork on time and more. If you would like to set up a consultation to learn more, just email us or contact us at 888-229-1778.