Do I need uninsured motorist property damage in Indiana? This question is about Best Car Insurance in Indiana

Do I need uninsured motorist property damage in Indiana?

This question is about Best Car Insurance in Indiana

Candace Baker, Car Insurance Writer

@candacebaker • 05/18/23 This answer was first published on 05/18/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Indiana law requires car insurance companies to offer you $25,000 in uninsured motorist property damage (UMPD) coverage, but you can reject it. Uninsured motorist property damage insurance pays to repair or replace your car if you’re involved in an accident caused by an uninsured driver.

Even though it’s not mandatory, UMPD is a good investment for drivers who want to avoid paying out of pocket to fix their car after an accident caused by an uninsured or underinsured motorist. However, UMPD is similar to collision insurance, which pays to fix your car after any accident you’re in. So, if you already have collision coverage, you do not need UMPD.

To learn more, check out WalletHub’s guide to uninsured motorist insurance.

What does uninsured motorist property damage cover?

Uninsured motorist property damage insurance covers the cost to repair or replace the policyholder’s vehicle or other property if it is damaged in an accident caused by an uninsured or underinsured driver. Six states and Washington, D.C., require uninsured motorist property damage insurance, and it’s optional in others.

Uninsured motorist property damage (UMPD) coverage is meant to replace the property damage liability insurance that an uninsured driver should have purchased. As a result, drivers generally buy...

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Is uninsured motorist coverage required in Indiana?

No, uninsured motorist coverage is not required in Indiana, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $25,000 in uninsured motorist bodily injury coverage per person (up to $50,000 per accident), as well as $25,000 in uninsured motorist property damage insurance per accident.

Uninsured motorist bodily injury (UMBI) coverage pays for the medical bills of the policyholder and their passengers who were injured in an accident with an uninsured...

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What happens if I'm in a car accident where the other driver has no insurance?

If you’re in a car accident and the other driver has no insurance, then any medical bills or costs to repair your vehicle will need to be paid by your insurance company. This is usually done through uninsured motorist coverage, although collision insurance also covers certain costs. In addition, you might be able to sue the uninsured driver for damages. Some states make filing a lawsuit more difficult than others, though.

Uninsured motorist (UM) coverage...

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