Prior to accepting any settlement offer from your insurance company, you should consult with an experienced Indiana uninsured and underinsured motorist claims attorney. Call Langer & Langer at 219-245-7229 to schedule an initial consultation today.
4 Indiana Ave Valparaiso, IN 46383
info@langerlaw.com
Whether you were involved in a car accident, bicycle accident, truck accident, motorcycle crash, or other collision, our attorneys are skilled in handling complex uninsured and underinsured motorist claims across Indiana. We are committed to ensuring accident victims receive the compensation they deserve without unnecessary delays or legal confusion.
When a crash occurs and the responsible driver is uninsured or underinsured, it’s crucial to contact your insurance representative immediately to seek coverage for your medical expenses and property damage. Accidents involving uninsured or underinsured drivers can leave victims facing life-altering injuries and overwhelming medical bills. From brain injuries and traumatic brain injuries (TBI) to spinal cord injuries and other catastrophic harm, insurance companies often fail to cover the full cost of treatment.
Insurance companies frequently resist paying claims in full. Even when you are current on your premiums, you may still struggle to cover your bills after an accident. That’s why our firm’s experienced Indiana Uninsured & Underinsured Motorist Lawyers are here to help. We have extensive experience handling these complex claims and are dedicated to doing everything possible to ensure our clients recover maximum compensation.
Suing an uninsured driver is only worthwhile if they have significant assets, like property or a high-paying job, that can satisfy a judgment. If they have few or no assets, a lawsuit may not yield compensation. It’s often more practical to recover damages through your uninsured/underinsured motorist (UM/UIM) coverage, and if that doesn’t fully cover your losses, a lawyer can help determine if the driver has assets that could be used.
If you’re hit by an uninsured driver in Indiana, you can file a claim under your UM coverage to cover medical bills and property damage, sue the driver directly if they have assets, and use MedPay or PIP coverage. Always call the police, gather evidence, and consult an attorney.
Uninsured motorist (UM) coverage generally does not cover: damage to your own car (collision coverage is needed), intentional injuries, accidents where you are at fault, hit-and-run property damage in some states, or situations where the other driver’s insurance is sufficient. It may also not cover your medical expenses if you have other applicable insurance or sufficient health coverage. For underinsured drivers or property damage, separate coverage may be required.
Yes, you can claim against an uninsured driver by filing a claim under your Uninsured Motorist (UM) coverage to cover medical bills, lost wages, and property damage. You can also sue the uninsured driver directly, though recovery may be difficult if they lack assets. Conversely, an uninsured driver can only claim against you if you were at fault and have liability insurance, as required by Indiana law.
The best protection against uninsured drivers is to carry uninsured/underinsured motorist (UM/UIM) coverage on your auto insurance to cover bodily injury and property damage. Additionally, maintain adequate liability insurance and consider collision coverage to protect your vehicle and shield yourself from claims by others.
If you get into a car accident without insurance in Indiana, you could face serious financial hardship. You may be personally responsible for all damages, including the other driver’s medical bills and lost wages. Driving without insurance is illegal and can lead to fines, license suspension, and full liability for the accident’s costs.
© 2025 Langer & Langer • All Rights Reserved
Disclaimer | Site Map | Privacy Policy | Payment | Business Development Solutions by Blue Summit SEO.
Copyright © 2025 All Rights Reserved.
We improve our products and advertising by using Microsoft Clarity to see how you use our website. By using our site, you agree that we and Microsoft can collect and use this data.
Have legal questions or need expert advice? Our experienced team is here to help.