Tag Archives: driving without insurance

Your Indiana Auto Policy is your Protection from Uninsured Drivers

Sixteen percent of Indiana drivers are uninsured

We’ve all witnessed reckless motorists driving very nearly airborne down the road, anxiously weaving from lane to lane, and gunning their engines in disgust when they finally soar past you. Yes, today everybody’s in a hurry. And I bet you’ve thought, as I have, that most, if not all of these vehemently reckless drivers are driving without an adequate auto insurance policy. In fact, you can usually pick them out of a crowd of many, as if they carry an aura of irresponsibility with them.

Research conducted by the Insurance Research Council in 2011 shows that as many as 16% of Hoosiers are driving without any insurance coverage. And as the downturn in our economy intensifies, I fear that many more people will make the choice not to buy even the minimum amount of auto insurance legislated under Indiana law.

Even today, in some states, uninsured motorist coverage is a required add-on to your automobile policy. But in the state of Indiana, uninsured motorist coverage is an intrinsic part of your personal liability coverage under your automobile policy. Your uninsured motorist coverage automatically protects you from injury, lost wages and other expenses resulting from a serious accident with an uninsured driver.

Increase your policy limits for pennies a day

The value of your uninsured coverage is identical to your existing personal liability coverage under your auto or motorcycle policy. If you have read my other blogs on personal injury liability, then you already know that by increasing your policy limits, you have the advantage of getting considerably more coverage at a small additional rate. And when you consider that you are not only protecting your family from the injuries of others—you are also protecting your family from the negligent acts of uninsured drivers. It’s a win-win. Your
decision to choose the largest amount of personal liability coverage you can afford could be the best financial decision you make for your family.

Experienced lawyers

If you would like to discuss your policy limits with an experienced personal injury lawyer, or have been involved in an accident, call lawyer, Charlie Ward, of Ward & Ward Law Firm today at 317-639-9501.

By Charlie Ward

Ward & Ward Law Firm
728 S Meridian St
Indianapolis, IN 46225
317-639-9501

 

Uninsured Coverage is your Protection from an Accident Caused by Uninsured Driver

It makes sense to carefully choose your auto insurance policy

You probably wouldn’t consider opening an account with a bank that was not insured by the Federal Deposit Insurance Corporation. Banking insurance premiums finance this federal insurance program; indirectly you fund this insurance through your deposits, service charges and bank fees. Why would you protect your liquid assets but overlook a protection vital to your family’s personal wealth, health and well-being?

Insurance protection in a bad economy

Research conducted by the Insurance Research Council shows that as many as 16% of Hoosiers are driving without any insurance coverage. During the recession, many people have lost their jobs and have chosen not to pay for the insurance required under Indiana law.

In some states, uninsured motorist coverage is a required add-on to your automobile policy. But in the state of Indiana, uninsured motorist coverage is intrinsic to the personal liability portion of your auto policy. Your uninsured motorist coverage automatically protects you from injury, lost wages and other expenses incurred as a result of a serious accident with an uninsured driver. The amount of coverage afforded you by your policy will be the same amount as the coverage under your personal liability policy. Remember, the price of coverage goes down as the amount of coverage goes up. Your decision to choose the highest amount of coverage you can afford could be the best financial decision you make for your family.

Experienced personal injury lawyer

If you are involved in an accident, call Charlie Ward of Ward & Ward Law Firm. I look forward to meeting with you and would be happy to discuss your automobile insurance coverage with you today.

Charlie Ward

Ward & Ward Law Firm
55 Monument Circle, Ste 1014
Indianapolis, IN 46204
317-639-9501

www.wardlawfirm.com