You may have been struck by a negligent driver and subsequently learned that the driver did not have automobile insurance. Health insurance will likely cover medical expenses, but your health insurance policy will not cover lost wages, future lost earnings, or automobile repair bills. A health insurance policy will also not compensate you for the pain and suffering you endured as a result of the accident.
Contact Blackburn Romey to schedule a free consultation during which we can discuss the facts of your case. Our attorneys have experience representing clients who are struck by uninsured and underinsured motorists. Contact our office directly to learn more about the legal services we offer.
If you’re involved in a car accident with an uninsured driver in Indiana in 2025, your first step is to file a claim under your uninsured/underinsured motorist (UM/UIM) coverage. Indiana law requires this coverage as part of your auto insurance policy—unless you’ve explicitly rejected it in writing. This coverage can help you recover medical expenses, lost wages, and pain and suffering up to your policy limits. The state’s default minimum limits are $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. However, you may have higher limits depending on your specific policy.
If your vehicle is damaged, you can use collision coverage (if included in your policy) to cover repairs. Just keep in mind that Indiana does not require underinsured motorist property damage coverage.
While you do have the option to sue the uninsured driver directly, it can be difficult to recover anything if they don’t have the financial means to pay. Indiana’s “No Pay, No Play” law also limits the ability of uninsured drivers (with prior violations) to seek non-economic damages, such as pain and suffering, from the accident. This makes it even more critical to ensure you have the right insurance coverage in place.
Though penalties for driving without insurance—like fines, license suspension, and SR-22 requirements—apply to the uninsured driver, they won’t directly help you recover damages. That’s why it’s essential to document the accident, seek immediate medical care, and consult an experienced attorney to protect your rights and guide you through the process. We’re here to help you navigate these tough situations and ensure you get the compensation you deserve.
Each driver who buys an automobile insurance policy should consider purchasing additional coverage. Uninsured motorist coverage and underinsured motorist coverage will help put a limit on the financial amount you may owe if you are struck by a driver who does not have automobile insurance.
Insurance companies have different policies that provide uninsured and underinsured motorist coverage. Even if you purchased this supplemental insurance, you might still have to demand that the insurance company pay you the full amount stated in your policy. Under these circumstances, it is a good idea to retain an experienced personal injury attorney who can offer you exceptional legal representation.
Our car accident attorneys can communicate with insurance companies and ensure that you receive the financial compensation you deserve. Your insurance company is not necessarily on your side, and the company may complicate matters when you demand payment under an uninsured motorist provision in your insurance policy.
Retaining a personal injury lawyer is one of the best things you can do if you are struck by an uninsured driver. You need to be able to consult with an experienced personal injury attorney, so you understand the difference between first-party claims and third-party claims. The driver may have been working for a third party at the time of the accident, and in these cases, it is helpful to have an attorney sort through the complex relationships in the case. A skilled personal injury attorney can advise you of your legal rights, hold liable parties accountable, and negotiate with insurance companies.
You also will benefit from hiring a personal injury attorney because the attorney will gather evidence, subpoena documents, and depose parties. Also, an attorney will conduct discovery and find out the information that opposing counsel has that may be detrimental to your case. Retaining a personal injury lawyer attorney gives you time to heal from your injuries without worrying about collecting medical records and itemizing medical bills.
Contact Blackburn Romey today at 800-444-1112 or visit us at 4203 W Jefferson Blvd, Fort Wayne, IN 46804, if you were struck by an uninsured or underinsured driver. Our attorneys can help you negotiate with insurance companies, gather relevant evidence, and protect your legal rights. Learn more about the legal services we offer. Retaining a car accident attorney is one of the best things you can do for yourself and your family after a motor vehicle accident.
Blackburn Romey founding partner Tom Blackburn graduated with honors receiving a degree from Indiana University at the Robert H. McKinney School of Law. Initiating his legal career in 1977, he has been active in practicing law and currently serves as a member of the Indiana State Bar Association on the Ethics and Advertising Committees, the American Bar Association, the American Association for Justice, as a board member at the Indiana Trial Lawyers Association, and as an appointed member of the Executive Committee for the State of Indiana for the National Trial Lawyers Association.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Tom Blackburn, who has more than 47 years of legal experience, including over 39 years specializing as a personal injury attorney.
