Indianapolis Uninsured and Underinsured Coverage Lawyer

Uninsured and Underinsured Coverage

Recouping compensation to offset injury damages

When involved in an accident caused by an uninsured or underinsured motorist, most accident victims can still recover compensation based on their own insurance policies. However, after filing their claims, sometimes injury victims encounter difficulties with getting insurance company approval. In a serious accident case, our Indianapolis, IN car accident injury lawyers at Ward & Ward Personal Injury Lawyers can review your policy and the details of your auto accident to ensure you receive fair treatment in your insurance claim.

What is Indiana uninsured and underinsured motorist law?

Under Indiana law, all drivers must carry auto insurance. Unfortunately, not everyone obeys the law, and you may find the driver who caused your accident has no insurance. Even so, for those who carry auto insurance, Indiana law requires insurance companies to include uninsured and underinsured motor vehicle coverage. Therefore, unless you rejected the inclusion in your insurance, your policy should cover damages caused by uninsured and underinsured motorists.

The minimum liability limits for uninsured motorists are:

Bodily injury up to $25,000 a person
$50,000 per accident
Property damages up to $10,000

Minimum liability limits for underinsured motorists are $50,000 for bodily injury. Of course, policy holders can purchase policies with higher limits.

When the at-fault driver has no insurance, accident victims file car accident claims with their own insurance companies to recover damages under their uninsured motorist provision.

When the at-fault driver has insurance, victims file claims with the at-fault driver’s insurance company. Depending on the extent of your personal injuries, you may find that the other driver’s policy limits do not fully cover your damages. At this point, you file with your own insurance company, which should cover the difference under the underinsured motorists provision of your coverage.

The advantages of obtaining legal help

Ward & Ward Personal Injury Lawyers helps clients by reviewing the legal terms of their insurance policies, verifying the limits and evaluating whether further damages can be covered under the policy’s coverage. Sometimes, we find that an insurance company is in breach of contract or treated a client in bad faith by wrongfully denying or delaying a claim. We can protect your rights, resolve disputes and reach a fair settlement through the use of mediation or arbitration. If necessary, we can take your case to trial.

Contact reliable Indianapolis lawyers for assistance with uninsured or underinsured motorist claims

Contact Ward & Ward Personal Injury Lawyers online or at 317-639-9501. We offer free initial consultations and are available to speak with you 24 hours a day, 7 days a week.

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   Wanda Schumpert 
 
 
 
 Trustindex verifies that the original source of the review is Google. My sister in law referred me to Ward & Ward Personal Injury Lawyers Personal Injury Lawyers over 20 years ago when I was in a car accident. To this day I am still calling Charlie for advice.  Charlie is one of the best personal injury attorneys in Indianapolis. Now I am referring my son to him for his case.  I know that he will be in good hands as Charlie will work hard for him.  I fully trust and believe in Ward & Ward Personal Injury Lawyers Personal Injury Lawyers's ability to handle the case. You have a client for life keep up the great work. God Bless!
  
 
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   Boomer05 
 
 
 
 Trustindex verifies that the original source of the review is Google. we needed a lawyer for an accident that caused bodily injury. He is amazing. The insurance company was not going to pay what was due and we got it through Charlie. Highly recommend him.
  
 
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   Charlotte Carmichael 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thanks for all your help—appreciate it.
  
 
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   keegan collins 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing experience. 10/10 recommend. Pure honesty and knows exactly what to do!
  
 
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   Raechelyn Dawn 
 
 
 
 Trustindex verifies that the original source of the review is Google. Charlie Ward was recommended to me by a personal friend who knows him and respects him.  He was friendly, personable and incredibly compassionate with me as I had just lost my son due to an horrific hit and run motorcycle accident.  He went the extra mile in hooking me up with the right people in Texas as I didn’t really know anyone in my area who to contact, trust or help me with the painstaking task of finding honest representation. He also addressed my immediate concerns and returned my messages and phone calls quickly.  I would highly recommend this man of integrity and his Law Firm.  It’s difficult to find individuals that work as hard as Charlie and that truly care about people… I am convinced that this man is amazing at what he does and has the passion to get the job done… whatever needs to be taken care of.  I trust and appreciate him so much.  Thank you Charlie!
  
 
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   Elizabeth Newland 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience with Ward & Ward Personal Injury Lawyers! Always accessible, sincere and caring.... Treat you like family!
  
 
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   R Burchfield 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent attorney with attention to detail. Easy access and free parking at their South Meridian Street location
  
 
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   Michael Harpold 
 
 
 
 Trustindex verifies that the original source of the review is Google. My family has been using the services of Ward & Ward Personal Injury Lawyers Personal Injury Lawyers for many years.  Charlie, and his father Don, have been tremendous to work with.  They have not only provided great legal counsel, but do so with a personal touch that is so appreciated.  I would strongly recommend Ward & Ward Personal Injury Lawyers Personal Injury Lawyers for any of your legal needs.
  
 
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   Kimberly Pittman 
 
 
 
 Trustindex verifies that the original source of the review is Google. They could not take my case but Charlie Ward called me so quick after I sent in an email explaining my situation to tell me they don’t take cases such as mine but gave me the number to someone who I could call and I truly appreciate that. Charlie did not have to go out of his way to do that but did it anyway to help. Thank you!
  
 
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   Shannon Murphy 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been using Ward & Ward Personal Injury Lawyers Personal Injury Lawyers since 2008 and have been very pleased with the services provided.  Both Don and Charlie, as well as the administrative team are great to work with.