Uninsured Motorist Coverage — Indiana
Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no liability insurance or when you're struck by a hit-and-run driver who can't be identified. It covers your medical bills, lost wages, pain and suffering, and in some states vehicle damage, up to your policy limits. The coverage activates only after you've confirmed the other driver is uninsured or untraceable—your insurer will verify this before paying. Indiana offers both Uninsured Motorist Bodily Injury (UM-BI) and Uninsured Motorist Property Damage (UM-PD), and you can decline both in writing, but carriers must offer them at purchase and renewal.
Who Needs Uninsured Motorist Coverage Insurance?
If you're reinstating with liability-only coverage to meet Indiana's financial responsibility requirement after a suspension, you are exactly the profile that needs this. If you're required to carry SR-22 for three years, you'll be on the road during that entire window with elevated exposure—one uninsured-driver crash wipes out any premium savings from declining UM.
Calculate your out-of-pocket maximum for health insurance and your vehicle's actual cash value. If you're carrying state minimum liability because that's all reinstatement requires, match it with equal UM limits—the incremental cost is small and the coverage gap is catastrophic if you're hit by someone with nothing.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your selected UM limits—matching your liability limits costs less than purchasing higher UM coverage.
- Whether you add both bodily injury and property damage protection or bodily injury only.
- Your ZIP code's uninsured driver rate—areas with higher uninsured motorist density carry higher premiums.
- Your claims history—prior UM claims can increase cost even though you weren't at fault.
