What Happens When You’re Injured in a Car Accident Without Insurance? 

Driving without insurance in Indiana is a significant risk that can lead to severe complications, especially if you find yourself injured in a car accident. Without the financial safety net that insurance provides, you may face substantial out-of-pocket costs and legal challenges. If you’ve been injured by an uninsured driver, the skilled attorneys at Arshad, Pangere & Warring, LLP are here to help you explore your options and protect your rights.

Understanding Indiana’s Car Insurance Laws

Indiana operates as a fault state when it comes to car accidents. This means that the driver responsible for the accident is also responsible for covering the costs of the damages. Under Indiana law, all drivers must carry a minimum level of liability insurance to cover bodily injury and property damage. Specifically, the state requires the following coverage:

• Bodily Injury Liability: Minimum of $25,000 per person.
• Property Damage Liability: Minimum of $25,000 per accident.
• Uninsured Motorist Bodily Injury Coverage: Minimum of $25,000 per person.

These requirements are designed so that drivers will obtain the necessary financial resources to cover the damages they cause in an accident, protecting both themselves and other road users.

The Importance of Having Car Insurance

Car insurance is crucial because it provides financial protection against unexpected events that can lead to significant economic burdens. Without insurance, you are left vulnerable to covering medical expenses, vehicle repairs and potentially costly legal fees on your own. Additionally, being insured offers peace of mind, allowing you to focus on recovery and resolution rather than financial stress if an accident occurs.

Consequences of Driving Without Insurance

If you are involved in an accident without insurance, the consequences can be severe and long-lasting. For a first offense, you may face fines and suspension of your driver’s license until proof of insurance is provided. Subsequent offenses within a five-year period can result in higher fines, longer suspensions and even the suspension of your vehicle registration.

The absence of insurance also means personal liability for all damages, which can be financially devastating. If found at fault, you could be responsible for covering the injured party’s medical expenses, property damage and other associated costs. 

Repeat Offenses and Increased Penalties

The penalties for driving without insurance intensify with each offense. A second violation can lead to suspending your vehicle registration and the requirement to maintain an SR-22 form proving financial responsibility.

Seeking Legal Assistance

Given the complexities and potential financial liabilities of being involved in an accident without insurance, seeking legal assistance is crucial. At Arshad, Pangere & Warring, LLP, our experienced attorneys are prepared to guide you through the legal process, helping you understand your rights and explore all available options for compensation. If you’re dealing with the aftermath of an uninsured accident, our team is dedicated to helping you build a solid case in your favor.

If You Were Injured, Contact Our Attorneys

If you have been injured in a car accident and are dealing with the consequences of having no insurance, don’t navigate these challenges alone. Contact Arshad, Pangere & Warring, LLP today. Our team is ready to offer a personalized approach to your situation to help you pursue the best possible outcome.