What If the At-Fault Driver Doesn’t Have Insurance? Understanding Your Options
- Brinkley Law
- Nov 11
- 1 min read
Being hit by a driver who doesn’t carry insurance can feel like a dead end —but you may still have options. Indiana law requires drivers to carry liability insurance, but not everyone follows the rules. If you’re the victim of an uninsured or underinsured motorist (UM/UIM), you may still be able to recover compensation.
What IS Uninsured/Underinsured Motorist Coverage?
UM/UIM coverage is an optional add-on in Indiana auto policies that covers:
Medical expenses
Lost Wages
Pain and Suffering
Steps to Take If the Other Driver is Uninsured:
File a police report.
Seek immediate medical treatment.
Notify your insurance company about the UM/UIM claims.
Contact a personal injury attorney to review Coverage and protect your rights.
Why You Need Legal Help
UM/UIM claims are still processed by your insurance company —and they may still try to minimize what they owe. Having a skilled attorney can ensure you are treated fairly and compensated fully.
Let our team review your policy and help you get the compensation you need, even when the at-fault party is uninsured.