What does uninsured motorist insurance cover in Indiana? This question is about Uninsured Motorist Coverage Guide

What does uninsured motorist insurance cover in Indiana?

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This question is about Uninsured Motorist Coverage Guide

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 06/30/22 This answer was first published on 06/30/22. 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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Uninsured motorist insurance in Indiana covers your medical expenses after an accident caused by a driver who does not have car insurance. Uninsured motorist coverage is only applicable if you are not at fault and will only pay up to your policy’s limits.

Indiana does not require uninsured motorist coverage (UM), but it can still be a useful type of coverage to have. If you do not have personal injury protection or MedPay to cover your own medical costs, uninsured motorist coverage can help keep your finances safe if you’re hit by an uninsured driver.

What Uninsured Motorist Insurance Covers in Indiana

Medical expenses for you and your passengers
Loss of income
Funeral expenses
Hit-and-runs

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

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How much car insurance do I need in Indiana?

Drivers in Indiana need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.

In addition, an optional but recommended type of coverage in Indiana is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.

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What is the cost of uninsured motorist coverage?

Uninsured motorist coverage costs around $50-$75 annually for bodily injury and property damage coverage. Uninsured motorist coverage (UM) protects the policyholder by paying for injuries or damage resulting from a car accident caused by a driver who doesn’t have enough insurance.

Like any type of car insurance, uninsured motorist premiums vary based on the policyholder’s risk factors. How much coverage you purchase will also affect the cost of UM. Similarly, uninsured motorist premiums are...

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Do I need uninsured motorist property damage in Indiana?

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...

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