After a Crash With an Uninsured Driver: An Indiana Auto Policy Checklist

Put safety and documentation first

After a collision in Bargersville or elsewhere in Johnson County, move to safety when possible, call emergency services when needed, and follow the responding officer’s directions. Exchange available driver, vehicle, and insurance information without arguing over fault. Photograph the scene, vehicle positions, visible damage, plates, and road conditions if it is safe to do so. Seek appropriate medical care and keep the incident number, witness contacts, repair estimates, and receipts together. A driver saying they have no insurance is useful information, but the insurer will still need to investigate the facts.

Find the coverages that may apply

Pull your declarations page and ask your licensed agent to identify uninsured motorist bodily injury, any uninsured motorist property damage, collision, and medical payments coverage actually shown. These coverages address different losses. Indiana requirements and available options can change, and an uninsured motorist provision is not a blanket promise to repair every vehicle or pay every bill. Ask how the policy defines an uninsured or hit-and-run vehicle, what proof is required, and whether a deductible, limit, or exclusion applies to each part of a claim.

Ask how two claims could interact

If you carry collision coverage, your insurer may explain whether using it could start vehicle repairs before responsibility and the other driver’s insurance status are resolved. Ask who pays the deductible initially and whether any later recovery could reimburse it; recovery is never guaranteed. For injury expenses, ask how the policy coordinates with health insurance and other available benefits. Do not sign a release or accept a settlement before you understand what claims it may close. Keep a timeline of insurer contacts and request claim decisions in writing.

Review limits before the next drive

Use the declarations page to compare uninsured motorist limits with the household’s needs and other auto limits. Ask about people covered, vehicles covered, stacking or offset rules if relevant, and how a newly added driver or vehicle affects the policy. Our vehicle damage documentation guide offers a practical recordkeeping companion. Read more Auto Insurance articles and bring your actual policy to a licensed agent before making coverage decisions.

The Jennifer Dammeier Agency serves Bargersville and nearby Johnson County communities. Contact Jennifer Dammeier American Family Insurance with your current policy and the details of your situation to discuss available options.

This article provides general educational information, not individualized insurance, legal, or tax advice. Coverage, availability, limits, exclusions, and claims depend on the policy and insurer. Review your documents with a licensed agent and consult other qualified advisors as needed.