Car Accidents

Is a car accident without insurance at-fault in Indiana?

Get information about whether having a car accident in Indiana without insurance makes you at fault and what happens if an at-fault driver has no insurance.
Collin Green

TGL Attorney

Collin Green

is a car accident without insurance at-fault in Indiana

Is a car accident without insurance at-fault in Indiana?

No, having an accident without insurance does not make you at fault in Indiana. According to the car accident laws in Indiana, the driver whose negligence caused the accident is at fault. That means if the crash was caused by a driver who was speeding, texting, inattentive, or drunk, then they are at fault. To learn more about how fault is determined in Indiana, contact a car accident lawyer at Team Green Law.

What happens if you drive without insurance and get into an accident?

Even if the accident is not your fault, there are consequences for driving without insurance in Indiana. Not only are you subject to penalties for not having insurance, you may be limited in your ability to seek noneconomic damages, such as pain and suffering. This is due to Indiana’s “No Pay, No Play” law. However, if the other driver was at fault, you may file a claim with their insurance company for your losses or pursue a lawsuit against them. If you have questions, be sure to speak with a car accident lawyer at Team Green Law who can answer them for you.

Who is at fault in an accident in Indiana?

Generally speaking, the at-fault driver is the one whose negligence caused the accident. In Indiana, the party at fault in a car accident is determined by following the state’s modified comparative negligence law. Under this rule, any party who is determined to be more than 50% responsible for causing an accident will not be able to recover damages or compensation from other parties involved.

What happens if the person at fault in an accident has no insurance?

If the driver at fault in an accident in Indiana has no insurance, then the victim of the crash may be able to receive compensation from their own insurance company if uninsured motorist coverage was purchased before the accident. Uninsured motorist coverage may help cover medical bills, lost wages, pain and suffering, and other damages associated with the crash. It is important to note that coverage limits may vary depending on the particular policy.

Victims of an accident with an uninsured driver may also be able to take legal action to recover damages caused by the at-fault driver’s negligence, including lost wages, pain and suffering, or even punitive damages. It is recommended that you speak with a car accident lawyer to help protect your best interests following a crash with an uninsured motorist.

What happens if you get insurance after an accident?

If you purchase insurance after a car accident, your insurance company is not obligated to cover any costs associated with the accident. They will be responsible for any new loss you sustain in the future. This is why it is important to have adequate insurance coverage for you, your vehicle, and your passengers. It is also a requirement to have liability insurance on your vehicle in the State of Indiana.

Team Green is a different kind of law firm. We’re not going to make you promises we can’t deliver on. This is our promise to you: ​​we will guide you through the legal process, working with you through straight talk and personal attention, and we’ll work for you with smart, aggressive representation to get the settlement or judgment you deserve. Other lawyers show their case results on their websites, but not only does that imply results they can’t guarantee — it’s against the Indiana Rules of Professional Conduct (Rule 7.1 [2] (2)).  But you should know that the results of one successful case does not tell us what will happen with you. We will work with you to set realistic expectations of the timeline and money that could be recovered for your unique case.