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Home > Blog > What’s Uninsured/Underinsured Motorists Coverage and do I need it in Indiana?
FRIDAY, MARCH 16, 2018

What’s Uninsured/Underinsured Motorists Coverage and do I need it in Indiana?

What’s Uninsured/Underinsured Motorists Coverage and do I need it in Indiana? That’s a commonly asked question we get when quoting and reviewing ones auto insurance policy. It’s my opinion this is one of the most important coverages you can have.

The definition of the terms is simply this. UNINSURED MOTORISTS COVERAGE - Portion of an auto insurance policy that protects a policyholder from uninsured driver. UNDERINSURED MOTORISTS COVERAGE – Portion of an auto insurance policy that protects a policyholder from someone that isn’t carrying enough insurance to cover damage/bodily harm they do to you.

The Insurance Research Council reported in a 2015 report that Indiana ranks 8th in the country in having Uninsured Motorists with over 16% uninsured.

That’s an alarming rate of uninsured drivers out there. Then if they do have coverage, Indiana State Law only requires that you carry $25,000 per person coverage. When you carry Uninsured/Underinsured Motorists Coverage you self-insure the difference up to the limits you choose.

Here’s an example of what I mean. You have $300,000/$300,000 Uninsured/Underinsured Motorists Coverage and are hit by a person carrying State minimums. If the accident is deemed the other persons fault you would be covered up to difference between 25k and the 300k.

I encourage you to take the time to have me see what your policy limits are and to make sure you are carrying Uninsured/Underinsured Motorists Coverage. With over 16% of the motorists in Indiana driving without insurance you’ll want to have this coverage. Please feel free to contact me to review your policy coverages.

 

Posted 7:52 PM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Blake Insurance Agency Inc to provide information that may be of interest. Blake Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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1405 E Lincolnway | LaPorte, IN 46350
P: 219-362-5253 | F: 219-324-9256 | dblake@blakeins.com
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