Uninsured Or Underinsured When Injured?
In the majority of situations, one driver gets into an accident with another driver and the at-fault driver’s insurance pays for the damage to the injured party’s car, medical expenses, and any other damages that they may have.
In a perfect world, this process is seamless, covers all their expenses, and works without a hitch.
Of course, we don’t quite live in a perfect world. Sometimes drivers don’t carry enough coverage to manage the liability to an injured party. Sometimes, drivers aren’t carrying any insurance at all. The question then becomes: what does an injured party do to recover expenses related to their accident?
The Comparative Fault System in Indiana
Some states are no-fault accident states while others use a fault or tort-based system. Indiana’s fault-based system is based on comparative negligence. That means that each individual in a car accident is assigned some amount of the blame. However, if you’re the plaintiff and your percentage of the blame drops to under 50%, then you aren’t entitled to collect damages from the defendant.
Indiana Auto Insurance Requirements
Fort Wayne drivers are required to carry a minimum amount of auto insurance. In Indiana, that is:
- $25,000 for personal injury liability of one person,
- $50,000 for personal injury liability of more than one person,
- 10,000 in property damage.