Uninsured motorist coverage could help pay for your expenses if youre in an accident caused by someone without car insurance.

What happens if the person at fault in an accident has no insurance. Indiana however is an at-fault state which means you dont have the same restrictions and may file a lawsuit against the uninsured driver. You will be financially responsible for paying for the other drivers losses which includes everything from vehicle damages to medical bills. UMBIUMPD is uninsured coverage.

If the accident is your fault and you have no insurance you are personally responsible for damages to people in the other car and their property. UIMBIUIMPD is underinsured coverage. In the event of an accident no-fault insurance applies only to compensation for bodily injury.

Only under very limited circumstances can the injured person step outside of the no-fault system and file a lawsuit. If you are at fault. A fender bender or rear-end collision can cost you up to 10000 depending on the extent of the damages.

If you dont have comprehensive car insurance you wont be covered for property damage to your own vehicle. If youre at fault If you were the at-fault driver in the accident and you dont have insurance youll have to pay out of pocket for any damage or injuries you caused even though you dont have coverage the other driver has the right to recover damages from you meaning they can sue. As a rule the driver who does not take reasonable care is determined to be at fault.

In this case you might not be able to sue the other driver. No-fault means that regardless of who is at-fault for an accident each drivers insurer will handle their claim. However if the other driver is at fault for the motor vehicle accident you have the right to claim compensation.

If you live in a no-fault state your auto insurance may cover the expenses associated with your accident up to your coverage limit. The truth about no-fault insurance is that its about how a car insurance claim is paid out. If the driver that causes the accident is also uninsured you can sue the driver for compensation.