Indiana state minimum auto liability covers $25,000 bodily injury, per person, $50,000 aggregate bodily injury and $10,000 property damage. Uninsured or underinsured coverage provides protection in the event there are claims over and above the limits of the insured. During your review or when getting a new auto quote double check that your un/underinsured coverage is set where you need it.
Uninsured motorist coverage is designed to reimburse the insured for amounts due from negligent drivers who do not carry insurance. Originally, this coverage was for bodily injury only but has now expanded to include underinsured drivers- that is, those who were insured but carry limits of of liability too low. An uninsured vehicle is one that has no liability coverage.
Cover Persons include:
1. the named insured and any family member while driving/ riding in an owned auto insured under this policy.
2. driving or riding in a nonowned auto
3. traveling as a pedestrian
-or-
4. any other person while occupying an auto covered under the insureds auto policy
Uninsured motorist is a person operating an uninsured motor vehicle. The uninsured motor vehicle is:
1. neither bonded nor insured for bodily injury liability at the time of the accident
2. if insured, is covered for bodily injury liability inadequate to meet the financial responsibility requirements of the state in which the named insured’s  auto is insured.
A motor vehicle is not considered to be an uninsured motor vehicle if it is:
1. owned by or furnished for the regular use of the named insured or a family member
2. owned by a qualified self-insurer under any motor vehicle law.
3. an off-road type vehicle when not in use on a public road
4. owned by a government unit
5. a rail type vehicle
-or-
6. located for use as a residence
Uninsured motorist coverage is not provided for bodily injury covered under applicable workers’ compensation or disability laws.
Underinsured motorist coverage, known as UIM, fills in any gaps that may exist between an underinsured motorist’s bodily injury insurance limit and the damages for bodily injury the insured is legally entitled to recover, if greater. This coverage pays and insured who suffers bodily injury when struck by an at-fault driver who has some but not enough liability coverage to pay for damages.