Indiana Automobile Insurance- Protect Yourself
In Indiana it seems more and more that there is not enough insurance to take care of people hurt in automobile accidents. The other driver too often has low or no liability insurance limits. Review your own coverages. Two critical coverages are medical payments coverage and uninsured/underinsured motorist coverage.
Medical payments covers you and your passengers for your medical expenses regardless of who caused the accident. It is very inexpensive compared to any other health insurance.
Uninsured/underinsured motorist coverage acts the same as if the other driver had liability insurance and pays you for the all of the damages you would be entitled to recover from the other driver up to the limits of the coverage. It also is much cheaper than the cost of your liability coverage and can be purchased in the same limits as your liability insurance.Indiana requires that this coverage be provided if you buy liability coverage unless you waive it in writing.
If you can afford liability coverage of as little as $250000 many insurance companies will sell you an umbrella policy of upwards of $1000000 that will give you significant additional protection.
Call your insurance agent. If he didn't explain all of this to you when you bought your automobile insurance call another agent or company. Protect yourself, don't rely on others to do it for you.
