Were you injured in a car accident involving an uninsured driver in Indianapolis, IN? If the at-fault driver didn’t carry car insurance, you may still have options for recovering compensation, contact a car accident lawyer in Indianapolis, IN, today.
At Rob King & Associates, Trial Lawyers, we know how devastating these situations can be, and we’re here to help you understand your rights and pursue the compensation you need to move forward. We have over 40 years of combined experience and have recovered millions of dollars for our clients.
Contact us today at (317) 916-0000 to schedule a free consultation with an Indianapolis uninsured motorist accident lawyer.
Why Should I Choose Rob King & Associates To Help Me With My Uninsured Motorist Claim?
After a car accident with an uninsured driver in Indianapolis, Indiana, you may be unsure where to turn. Fortunately, you may still be able to recover compensation through your own insurance policy or other legal avenues. The help of an experienced legal team can make a huge difference in your case.
At Rob King & Associates, we’re known for taking on tough cases and getting results. Our Indianapolis car accident attorneys are trial-ready and committed to maximizing the value of your claim. We’ve been recognized by Martindale-Hubbell, Super Lawyers, Avvo, and other organizations for our success on behalf of clients.
You don’t have to go through this process alone. We’re ready to stand by your side from start to finish. Call us today to schedule a free consultation with an Indianapolis personal injury attorney.
What Are My Legal Options After an Accident With an Uninsured Driver in Indianapolis?
Indiana law requires all drivers to carry a minimum amount of liability insurance. However, not everyone follows the law. Unfortunately, it’s not uncommon to be involved in a crash with someone who is uninsured or underinsured.
If an uninsured driver hits you, you may have the following options:
Uninsured Motorist (UM) Coverage
Indiana auto insurance policies typically include uninsured motorist coverage unless you reject it in writing. This insurance protects you when you’re involved in a crash caused by someone who doesn’t have liability coverage. Basic policies provide bodily injury liability coverage in the amount of $25,000 per person/$50,000 per accident and property damage liability coverage in the amount of $25,000.
UM coverage can help pay for:
- Medical expenses
- Lost wages
- Pain and suffering
- Long-term disability
In some cases, the at-fault driver may have insurance, but their policy limits aren’t enough to cover your full damages. In this instance, Underinsured Motorist (UIM) coverage can help make up the difference.
Filing a Personal Injury Lawsuit
In rare cases, you might be able to file a personal injury lawsuit directly against the uninsured driver. However, these cases can be difficult if the driver lacks assets or income to pay a judgment, which could be the main reason they were uninsured in the first place.
Our team will help you evaluate every possible route for financial recovery and guide you toward the best strategy for your situation.
How Much Is My Uninsured Motorist Claim Worth?
The value of your claim will depend on many factors, including the severity of your injuries and the insurance coverage available. Our Indianapolis car accident attorneys will work to calculate the full extent of your losses so you know exactly what to demand from the insurance company.
Through an injury claim, you may be entitled to money for your economic and non-economic damages, such as:
- Medical bills (current and anticipated)
- Lost wages and reduced earning potential
- Pain and suffering
- Emotional distress
- Rehabilitation and therapy costs
- Long-term disability or permanent impairment
Factors that can affect the value of your claim:
- The extent of your injuries
- Whether you’re partially at fault
- The length of your recovery
- How your injuries impact your quality of life
- Your age and occupation
The best way to determine the value of your claim is to consult with an experienced car accident lawyer in Indianapolis.
How Long Do I Have to File an Uninsured Motorist Claim in Indiana?
Indiana has strict deadlines for initiating legal action. You will typically have two years from the date of the accident to file a personal injury lawsuit. However, claims involving your own uninsured motorist coverage may have different deadlines, depending on the terms of your insurance policy.
To preserve your rights, you should quickly report the crash to your insurance company. You should also consult an attorney right away to begin the claims process and avoid running afoul of the statute of limitations.
Contact an Indianapolis Uninsured Motorist Accident Lawyer Today
A crash with an uninsured driver can leave you feeling stuck, but you don’t have to go through this process alone. At Rob King & Associates, we’re here to help you take back control and pursue the justice you deserve.
With decades of experience, a track record of millions recovered, and a reputation for aggressive legal representation, we are ready to take care of you. Call us today to schedule a free consultation with an Indianapolis uninsured motorist accident attorney.
