What happens if you’re in a car crash and the other driver doesn’t have auto insurance? This is not as uncommon as you might think. In fact, for most of your adult life, you’ve likely been paying for something called uninsured/underinsured motorist coverage.
This coverage exists for precisely this sort of scenario. If you have medical bills resulting from a car crash, and the person who caused your injuries wasn’t insured, that’s when your uninsured motorist coverage is supposed to kick in. It’s why you pay premiums month after month.
As long as you had this uninsured/underinsured motorist coverage in place, you should be fine. This can sometimes lead to people suing their own insurance company for failing to pay out. Some people are squirrelly about this and don’t want their rates to go up but remember—this is why uninsured/underinsured motorist coverage exists in the first place.
There are a lot of nuances involved in a personal injury case, especially when it comes to insurance. It can be helpful to talk things over with someone who’s seen it all before. If you have any questions about insurance or personal injury, give us a call at 317-632-3642. Stay safe and look out for each other.