What Types of Indiana Car Insurance Should I Carry? | FAQ

What Types of Indiana Car Insurance Should I Carry in the Event of an Accident in Indiana?

auto-insurance-Indiana

Indiana state law dictates that all drivers have the minimum liability coverage of $25,000 per person and $50,000 per accident for the expenses of medical services and treatment provided to those injured in an accident in Indiana.

However, thousands of drivers do not have adequate insurance – and some don’t have any insurance at all. In order to protect yourself, there are additional insurance coverage options you should add to your current insurance policy in the event of an accident.

Uninsured and underinsured motorist coverage – usually grouped together as UM/UIM, as it may appear on your insurance card if you have the coverage – protects you in the event that the driver responsible for your accident lacks coverage or has inadequate coverage for the extent of your injuries and damage from your accident in Indiana.

For instance, if another driver causes your accident in Indiana and has no insurance, your damages would be paid for by your insurance provider under your uninsured motorist policy up to the limits of your coverage. If you still have questions, your Indianapolis personal injury lawyer can explain the different types of coverage in finer detail.

Further, if you are in an accident and the at-fault driver does have insurance, but their policy is the minimum amount of liability coverage ($25,000) and your medical bills exceed the limits of their policy, then that driver’s auto insurance provider would pay the first $25,000, and your underinsured motorist coverage would pay the remainder up to the limits of your coverage.

Guaranteed Auto Protection (GAP) insurance exists in the event that your car is destroyed in a serious accident in Indiana or stolen and you owe more than the vehicle is worth. In that event, GAP insurance will provide the difference – or gap – between what’s owed on the car and its estimated value.

A Helping Hand from an Indianapolis Personal Injury Attorney

When you have complications with your Indianapolis personal injury claim after an accident in Indiana, a personal injury attorney can help you to alleviate some of the stress and anxiety associated with filing a claim. In order to get back on track with your personal injury claim, download a copy of our FREE eBook, Consumer’s Guide for Injured Victimsand then contact an Indianapolis personal injury attorney at Hensley Legal Group for a no-cost consultation: (317) 472-3333.

Freddie Kincaid

As an accident victim and single father in dire need of help and at the end of my rope, somehow a gentleman named Jonathan contacted me today about my accident, and within few minutes of our conversation he had calmed me down from a 10 to a 5 and took a load of stress, anger, fear, anxiety, depression and being lost off me 50% and helped me see light at end of a dark tunnel. Thank you Jonathan.

Linda Preston

As an accident victim and single father in dire need of help and at the end of my rope, somehow a gentleman named Jonathan contacted me today about my accident, and within few minutes of our conversation he had calmed me down from a 10 to a 5 and took a load of stress, anger, fear, anxiety, depression and being lost off me 50% and helped me see light at end of a dark tunnel. Thank you Jonathan.

Twila Bishop

I have to say that I am very pleased with how Hensley handled my case. They were really quick about getting on my case and getting me a settlement. They didn't delay at all. My car accident lawyer, Phil, was amazing. He got me everything I deserved. I've already recommended Hensley to a friend who needed a good car accident attorney. I recommend that you call them, ESPECIALLY if the insurance is giving you a hard time like they tried to do to me.

Cory Clear

I have to say that I am very pleased with how Hensley handled my case. They were really quick about getting on my case and getting me a settlement. They didn't delay at all. My car accident lawyer, Phil, was amazing. He got me everything I deserved. I've already recommended Hensley to a friend who needed a good car accident attorney. I recommend that you call them, ESPECIALLY if the insurance is giving you a hard time like they tried to do to me.

Radhika Vijayakumar

All I had to do was reach out to Hensley and get them my information. They handled the rest. And they handled it like a pro. Hensley was great. I would recommend them to anyone who needs a good personal injury firm.

Elaine Pippens

All I had to do was reach out to Hensley and get them my information. They handled the rest. And they handled it like a pro. Hensley was great. I would recommend them to anyone who needs a good personal injury firm.

Rhonda Houser

They not only work hard on your case but treat you with respect. They make sure you understand what is happening and what to expect. I have full confidence in their legal abilities, and I am thankful for all the help they have given me.

Patricia Allen

Hensley Legal Group did a great job. My case took awhile to resolve but they were very nice and even sent me a birthday and Christmas card.

Sarah Stamper

Excellent people. Kind and informative throughout the process. I would recommend this firm highly. Thank you all for your commitment to my case. I feel like my family can now face the future with hope.

Doris Smith

I was so happy with the service Hensley Legal Group provided for me. They were so professional, and cared about me, reassuring me when I wasn't always in a good place. They let me know that everything was going to be alright! If I had any questions or needed anything, they were there for me, and gave me quality service.

JD Anderson

I was in a major car accident early this summer. Thanks to Forrest and the group at Hensley Legal I will never go anywhere else. Neither should you.

Jackie Badgett

I was in a bad accident, Hensley had a paralegal in my house the day after I called them. He told me what to expect and he was right on the money. They made this stressful situation so much easier. I highly recommend team Hensley. Fair and honest folks.

Earle Cooke White III

When I was in a serious truck accident and needed a great attorney to handle the matter, Rudy from Hensley Legal Group gave me that assistance.

Andrea Uhl

I used Hensley Legal Group when I was in a serious car accident back in May of 2021 and the representative that helped me through everything was Natalie, and she was fantastic. Thank you again for everything you did for me and my family!

Carrie Kuenz

I had gotten to a point with the auto insurance that I didn't have any more energy to put into negotiating, but I knew they were trying to just get me to settle, so the Hensley group was great and took that off my plate!

Addison Smith

Rudy from Hensley Legal Group was able to get them to increase their offer to not only cover my medical debt, but also a little extra to help make things easier for me.

Liana Lucinda Quiroz

The staff at Hensley Legal Group are very welcoming and were able to answer all of my questions. Anyone needing assistance with personal injury or Social Security disability, I would suggest that you reach out to Hensley Legal Group.

Sherry Stettler

The Hensley Legal Group helped my husband get his disability after a short time. We would like to thank you and we appreciate your professionalism!

Stephanie Cornelius

Hensley Legal Group handled my Disability claim. I was totally pleased with my experience with them. They were very professional and made the whole process very easy for me. Iw ill absolutely use Hensley Legal Group for any other legal issue I may have! I would give them 10 stars!!

Brad Eastes

This team was very diligent in swift response to my initial call and after referring me to one call to Social Security for some info to file, I give my strongest recommendation to any one who can use the services they provide!

Robin Verlinden

We have used Hensley Legal Group for an auto injury case and for a social security disability case and were very pleased with the outcome. Chris Czernik and Katrina Hildebrandt and their teams were kind, compassionate, and helpful. We would highly recommend them to anyone in need of assistance.

Williams Widina

My attorney is experienced and very knowledgeable about the nuances of labor law. It feels great to have such a skilled attorney on your side. I truly believe that they have The Strength to Make a Difference. I highly recommend using The Hensley Group.

Jason Kimmerling

The whole team was very professional and sincere. They really were concerned about closing my case before my injuries were healed and making sure to cover all bases regarding my accident.

Dion Hazelbaker

The whole team was very professional and sincere. They really were concerned about closing my case before my injuries were healed and making sure to cover all bases regarding my accident.

Leslie Newland

I was in an accident involving three totaled vehicles and ultimately one fatality. I’d never been in a situation like this before and didn’t know where to even start. So glad I called Hensley! They were so easy to work with and I’m sure got far more for me than I would’ve been able to get myself. They were kind, professional, and got the job done!

Close
Close
Close
Close
Close
Available 24/7

Free Case Review

You won’t pay any fees until we win your case.

It’s easy - you can:

Or fill out our contact form
We respect your privacy. Your personal information will only be used by Hensley Legal Group, who may contact you using modern phone equipment, which may include auto-dialers and text.