Uninsured Motorist Coverage in Indiana: Do You Need It?

Uninsured motorist coverage is legally required in the state of Indiana, but it’s a good idea to have this type of insurance coverage regardless.
Written by Liz Jenson
Reviewed by Kathleen Flear
By law, uninsured motorist coverage must be offered to you in the state of
, along with bodily injury liability coverage and property damage liability coverage.
car insurance
in Indiana can be confusing, especially if you’re not sure which types of insurance are required by your state. Your insurer has to offer you at least $50,000 of uninsured motorist coverage for bodily injury, but it is possible to reject this type of insurance in writing if you so choose.
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Do you need uninsured motorist coverage in Indiana?

There are ways to get around purchasing
uninsured motorist coverage
in Indiana. To do so, you must take action and reject this part of your policy in writing. This is the only way to remove it from your standard
state-required car insurance
If you choose not to reject this part of your policy, you’ll want a minimum bodily injury uninsured motorist coverage of $25,000 per person and $50,000 per accident. Your insurance provider must offer you this type of coverage. Since it only costs an average of $50 to $75 annually, it’s easier to keep this part of your policy intact.
All that aside, though, uninsured/underinsured motorist coverage is just a good idea. Indiana is ranked the 15th worst state for uninsured drivers, and the most recent numbers available from the
Insurance Information Institute (III)
showed that 15.8% of Indiana drivers don’t carry insurance.
So, why do you care? A higher percentage of uninsured drivers means a higher chance of hitting someone whose insurance won’t cover the expenses associated with the crash.
If you get into an accident with one of these uninsured drivers, you may have to cover the medical bills out of pocket—that is, unless you have uninsured/underinsured motorist coverage to take care of those expenses for you. As such, it’s a good idea to have this type of coverage to protect your wallet.

How uninsured motorist coverage works in Indiana

Now that you know more about uninsured/underinsured motorist coverage in Indiana, it’s time to decide how much of this insurance you need.
Whether you want to stick to the minimum amount required by Indiana's car insurance laws or add some extra coverage to your policy, understanding what you need from your insurance can be a little daunting at first. Let’s break it down to help you understand your options.

What’s available

There are two basic types of uninsured motorist coverage:
Indiana’s legal minimum UM/UIM requirement is $25,000 of personal and $50,000 of UIM bodily injury coverage per accident (unless this coverage has been rejected in writing).
If you don’t want to be stuck with lots of car repair bills following an accident with an uninsured driver, though, you’ll need additional coverage.
You can also purchase underinsured motorist coverage. This package, which is typically bundled with uninsured motorist coverage, pays for some of your expenses if you get into an accident with someone who has insufficient coverage.
While this is very similar to uninsured motorist coverage, it is technically a second product. This means you’ll need to check with your provider if it’s important to you that this be on your policy.

What it covers

Let’s take a look at a couple of your coverage options:
The state minimum uninsured motorist bodily injury coverage is used for bills associated with your physical injuries after a car accident with an uninsured driver. This might include things like:
  • Medical bills
  • Funeral expenses
  • Lost wages due to physical injury
  • Pain and suffering
    , when applicable
  • Longterm care or rehabilitation services
  • Any necessary medical devices
  • Home accommodations necessary due to an injury from your accident, like installing a ramp for a wheelchair
Despite all these, however, it’s important to note that uninsured motorist bodily injury coverage does not include your vehicle!
If you want your policy to cover your mechanic bills, you’ll need property damage uninsured motorist coverage, too. Just like it sounds, this type of insurance can help you cover damages to your car or property after an accident with an uninsured driver. It can also help you pay for
expenses if someone hits your vehicle. 
Another similar but slightly different type of insurance is underinsured motorist coverage. This will come in handy if you get into an accident with a driver whose
liability insurance
isn’t enough to cover the damages. This type of coverage will not cover hit-and-run expenses, though!
Underinsured motorist coverage is often sold in a package with uninsured motorist coverage, but these are two different products, so make sure to check your policy for both if you want full coverage.

How to make a claim

After a car accident
, it’s important to exchange information with the other driver, including your contact information and insurance. If the other driver is uninsured, it’s time to make an uninsured motorist claim!
Luckily, this is a pretty simple process. First, be sure that you collect as much documentation as possible, including the traffic crash report, medical records, and bills from the medical practitioner(s) you visited. Then, call your insurance provider and explain what happened.
Remember, your case will be evaluated based largely on the documents you present, so try to be organized and thorough when gathering your information.
It’s also important to note that, if your medical costs exceed the limit on your UM insurance, you’ll need to cover the remainder either through your health insurance or out-of-pocket.
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Why uninsured motorist coverage in Indiana is a good idea

Before you decide to reject your uninsured motorist coverage, it's best to ask yourself what are some of the reasons to keep uninsured motorist bodily injury liability coverage on your Indiana car insurance policy?

You’ll have to provide a written rejection

Since insurance companies are legally required to offer you uninsured motorist bodily injury liability coverage, you’ll need to fill out a rejection form and submit it to the Indiana Bureau of Motor Vehicles (BMV).
No one wants to plan an extra trip to the BMV, but since you have to fill out the coverage rejection form in writing, it can only be submitted in person. Many drivers find it easier to accept the higher coverage amount.

It’s cheap

Above all, adding uninsured and/or underinsured motorist coverage to your policy won’t cost you much, either. On average, drivers in Indiana pay $50 to $75 per year for UM or UIM coverage. This averages out to $4 to $7 per month— that’s the price of a single latte!
can help you find great rates on your uninsured and/or underinsured motorist coverage, so you’ll know you’re getting the best rates available on your policy. This means you won’t have to pay much at all to get a lot of extra protection in the event of an accident.

An estimated 15.8% of Indiana drivers are uninsured

Let’s not forget, many people behind the wheel don’t have insurance at all. While it is illegal to drive without car insurance, 15.8% of Indiana drivers have decided to take that risk. That means over 3 in 20 drivers are uninsured!
If you get into an accident with a member of this 15.8%, you’re risking your wallet.

How to save money on your uninsured motorist coverage

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