What Happens If You’re Hit by an Uninsured Driver in Fishers, IN?

October 24, 2026

• One out of every six drivers in Indiana carries no insurance. That means that you may be increasingly likely to get into an accident in an Indiana city like Fishers with someone who has no way of compensating you for your injuries, lost wages, or pain and suffering.
• One recourse could be Uninsured/Underinsured Motorist (UM/UIM) coverage, which might be part of your insurance policy. Unfortunately, this could turn your insurance company into an antagonist who may try to deny your claim or lowball you.
• Working with a Fishers car accident lawyer can be the best way to win against the insurance companies and get the compensation you need.

The first moments of a car accident are always intense. A surge of adrenaline runs through you, but then you realize there are things you need to do. As you start to calm down, you take the important steps. Check to see if you and any passengers are okay. Call 911. Get out and check on the other person and exchange insurance information.

But what if the other driver doesn’t have insurance? At the moment you realize he or she is an uninsured driver, more worries can compound an already fraught situation. You’ll worry that you won’t be compensated and that any medical bills and recovery will be coming out of your own pocket.

It doesn’t always have to be that way. You may have other options and other avenues for financial recovery. It isn’t easy. But working with a Fishers car accident lawyer who believes you deserve compensation and will fight for you can help you get through a difficult time.

The Problem with Uninsured Drivers in Fishers

Driving in Indiana has been a somewhat strange experience in the last decade. People are speeding more and buckling up less. Additionally, the number of uninsured drivers has skyrocketed. Indiana is one of the “leading” states in terms of uninsured drivers. Nearly 16% of Indiana drivers don’t carry insurance.

That means that when you’re steering through a roundabout in Fishers, there is a one-in-six chance that the driver who has no idea how to handle this situation also has no insurance. The odds might even go up when you are driving on some of the high volume corridors that bring in people from across the state, like 37 near the I-69 interchange or on heavy commuter streets such as 116^th.

And if you’re in an accident with an uninsured driver in Fishers, you won’t be able to file a claim against him or her.

Your Options When You’re in an Accident with an Uninsured Motorist

Indiana is an “at-fault” state. That’s usually good: it means that the driver who caused the accident is responsible for paying for the damages. If you are less than 51% at fault, you are entitled to compensation.

But if the driver doesn’t have insurance, then that avenue of recovery is blocked. You could similarly run into trouble if the driver is underinsured, meaning that he or she has some insurance but not enough to pay for a full recovery. But you may have other options.

One option is a personal lawsuit against the other driver. This can work, but it is also expensive, time-consuming, and not always successful – and an uninsured driver is less likely to have the assets to pay you anyway.

Your own insurance, however, might be your best bet if you’re hit by an uninsured or minimally insured driver, provided that you have Uninsured/Underinsured Motorist (UM/UIM) coverage as part of your policy.

How a UM/UIM Claim Works

How a UM/UIM claim works is pretty simple. Let’s say you have $50,000 worth of bills, but the other driver has no insurance. If your UM/UIM coverage is for $50,000 or more, you may have an opportunity to be compensated in full.

Many Fishers drivers don’t realize that this is part of their policies and never think to seek remediation in this way.

But while this may be your best course of action, it doesn’t mean that recovery will be easy.

Fighting Your Own Insurance Company

As soon as you file your UM/UIM claim, your insurance company could turn against you. Big companies really don’t want to pay out, even if their commercials make them seem super friendly.

How can the insurer do this? Well, for one, it could try to blame you for the accident. Even though you may be entitled to compensation, Indiana’s at-fault laws will come into play. If you are 20% responsible for the accident, you could get 20% less compensation. And now your insurance company may go out of its way to prove that you had some fault. This is one of the reasons why Fishers accident victims shouldn’t talk to insurance companies alone.

It’s not just about blaming you: the insurance company might try to minimize your injuries.  It might also try to make a quick, lowball offer, hoping that you’ll be desperate for money and accept, forgoing a full payout.

There are legal avenues for insurance companies to shortchange you. There are also times when they could go over the legal line and violate Indiana’s “bad faith” principles.

Legal or illegal, it can be frustrating and disheartening to have to fight your own insurance company when you weren’t at fault for the accident.

That’s why drivers  who were hit by uninsured drivers in Fishers often choose to work with skilled lawyers who are ready to fight back.

Reach Out to Our Fishers Car Accident Attorneys

The Fishers car accident lawyers who will be on your side are at Hensley Legal Group, PC, a dedicated Indiana personal injury law firm whose experienced attorneys have been fighting on behalf of the wrongfully injured since 1998.

Simply call us at (317) 472-3333, chat with us online, or fill out our contact form now for a free consultation with a knowledgeable Fishers car accident attorney.