Getting into a car accident is bad enough, but discovering the at-fault driver has no insurance can be devastating. Without insurance, the driver likely will not have the means to cover your medical bills, lost wages, vehicle repairs or other losses stemming from the crash.
Fortunately, there are options for getting compensation in Indiana even if the other driver has no insurance.
File a claim with your insurance company
If you have uninsured/underinsured motorist coverage on your own auto policy, you can file a claim to get compensation for your losses up to the limits of that coverage. This protects you in instances where the at-fault driver either has no insurance or does not have enough to fully cover your damages.
Take the other driver to court
You may be able to recover losses by suing the uninsured driver in Indiana small claims court. This legal process offers a quick and simple resolution for small disputes. Even without insurance, the at-fault driver may have assets you can pursue, such as bank accounts or property. The court can issue a judgment that obligates the responsible party to compensate you.
When an uninsured driver hits you, getting compensation for your injuries and the damage to your car is more challenging than it would otherwise be. Understanding the options available to you for restitution can help you choose the path that best fits your needs. Make sure your insurance policy includes uninsured and underinsured motorist coverage to help ease this financial burden and take the steps to seek compensation when possible.