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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   james bauman 
 23 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Charlie went above and beyond to help me out!
  
 
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   Janice Glassford 
 23 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Ward & Ward is a Great firm!!  I always enjoy working with them, they are very honest and tell you what's up and most importantly will take the time to explain so you completely understand everything!!  They lay out the facts, your options and let you make the best decision for yourself and your family.   I fully recommend the Ward & Ward Law Firm!!!  Charlie and Dina are the Best!!!
  
 
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   Susan Taylor 
 36 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Charlie just settled a personal injury case for us.  We also  used this firm to prepare our will.   We have found Charlie  and his partners to be attentive and personable. Charlie is a wonderful professional who looks out for his clients. I would recommend his law firm for your legal needs.
  
 
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   Rachel Ann 
 55 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful
  
 
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   Jenny Brown 
 100 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I am extremely grateful for the guidance and professionalism I received from Charlie. From our first conversation through the completion of the process, everything was handled with care, clarity, and attention to detail. Communication was prompt and thorough, and I always felt informed and supported. I highly recommend this attorney to anyone looking for knowledgeable and compassionate legal representation.
  
 
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   Sarah Zahl 
 155 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We've been working with Ward and Ward for several years. Charlie and his staff are always helpful and welcoming.
  
 
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   Brittney White 
 155 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Unfortunately, he was not the type of attorney I needed, but wanted to leave a review because he has been the most responsive and caring attorney I’ve spoken to.
  
 
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   Steven Reinbrecht 
 156 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent law firm, great to deal with.
  
 
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   Christina Hord 
 156 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent law firm that is always responsive to my needs. Charlie is wonderful.
  
 
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   JoAnna Castle 
 165 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I was referred to Charlie by a friend after a serious accident. The care from him and his team was exceptional. He continues to stay in contact and has been helpful with other matters.