All Indiana motorists are required to maintain a certain amount of auto insurance to drive legally. Lawmakers’ idea behind creating such a requirement was to ensure that an at-fault motorist had sufficient assets to cover the costs incurred by the victims of their negligence. Thus, even if an at-fault motorist has no assets themselves, their insurance company will defend the case on their behalf and compensate the accident victim up to the policy limit.
In reality, however, dealing with an insurance company after an Indiana car accident can be a major headache. For one, insurance companies are for-profit companies that rely on taking in more money each month in premiums than they pay out in claims. Thus, it is in an insurance company’s interest to pay as little for each claim as possible. Thus, insurance companies routinely deny coverage in hopes that the accident victim is unfamiliar with the process and doesn’t ask any questions. However, insurance companies who deny coverage can be challenged through an Indiana personal injury lawsuit.
A recent case illustrates one plaintiff’s successful attempt to get an insurance company to cover his injuries.