How Does Car Insurance Work in Indiana?

Whether you just got your license or you’re a veteran driver, your insurance policy might be confusing. You know that you have to pay for your policy, but you might not understand what all that policy entails.

When an auto accident happens, what can you do, and how does car insurance work in Indiana? Fortunately, with a lawyer from Kooi Law on your side, you’ll have someone who can guide you through your policy and help you obtain the right settlement when you’re hurt.

Requirements for Indiana Drivers

Every state has certain requirements for insurance coverage, and if you don’t meet these requirements, you could lose your license. These requirements determine what your insurer will cover in case of an accident, so you’ll need to be sure you have the right coverage for you.

In Indiana, you must have the following coverage:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage

This coverage means that, if you’re involved in an accident and you’re found at fault, your insurance company will cover up to this amount for the damages. Although you may have additional coverage, all drivers should meet at least these amounts.

Fault and Your Auto Accident

If you’ve been in an accident and it wasn’t your fault, what does this coverage mean? Because Indiana is a fault state, the person responsible for the accident is also responsible for paying for the damages. You’ll need to show that they were at fault, and then you’ll receive funds for your damages.

In practice, after a car accident, you’ll notify your insurer and file a claim. You can file a claim through your own insurer, or you can file a third-party claim, meaning you’ll file with the other driver’s insurance company. The insurance company should investigate your claim, determine the amount you’re due, and offer you a settlement to cover your expenses.

If you file with your own insurance company, you’ll also need to be careful not to inadvertently take any blame for the crash or say that the other driver wasn’t at fault. Your insurance company has a right to seek compensation from the other company if they pay for your injuries. If you say the other driver isn’t at fault, however, they might be unable to pursue that compensation.

Insurance Coverage when an Accident Happens

Seeking a settlement from an insurance company isn’t always easy. You’re struggling with the consequences of your accident, but it can be tough to manage when you’re unsure how car insurance works in Indiana.

Fortunately, a lawyer from Kooi Law can help. We understand how difficult your situation is, and we’ll make sure you understand what it takes to secure the compensation you need for recovery. You need a full settlement from your insurer, and we’ll help you get it.

When you’re struggling with your car insurance, speak to an attorney to fight back. Starting with a free consultation, we’ll help you determine what your claim is worth. You have a lawyer who will fight for you if the insurance companies refuse to pay your claim’s full worth.

To get started, give us a call. We can be reached at 317-569-1335 or by completing the following online form.