Indiana DUI Lawyers

Reader’s Question:

The state where I came from requires drivers to have uninsured/underinsured motorist coverage (which I don’t know what for). I don’t know yet if they do the same here in Indiana, so can I opt not to have it? What else can I not have just to save on my auto insurance?

Garett

South Bend, IN

Uninsured motorist coverage would pay for any medical expenses that are caused by another driver who does not have auto insurance. Also, if you or your car becomes a victim of hit-and-run, uninsured coverage will also pay for the damage. For underinsured motorist coverage, this will pay for you and your car if you get into an accident where the other driver is at-fault and he/she doesn’t have enough car insurance to cover the damages. In this event, the at-fault driver’s insurance would pay out to its limits and then your underinsured motorist coverage will for the rest. These types of coverage are, luckily, not required in the state of Indiana. This means that you may opt not to have it, thus, saving on your auto insurance.

There are also some other things that you may opt not to have in order for you to save some money on your auto insurance. Some of these are towing and medical payments coverage because these things can be covered by other sources. For instance, if you have health insurance, this would pay for your medical bills. Therefore, it will not be necessary for you to have medical payments coverage as part of your auto insurance policy.

Reader’s Question:

How will I obtain auto insurance after being convicted for DUI here in Hammond, Indiana?

Peter

Hammond, IN

DUI citations are considered serious crimes in the US and motorists who have a DUI conviction lose their driving privileges for a certain length of time. The period of time in which the driver’s license is suspended would depend on the severity of the crime but in some case, it would be longer than six months. If a driver who is convicted for DUI gets his/her license back, he/she could be presented with a problem like obtaining an auto insurance.

Several car insurance providers would not give coverage for drivers convicted of a DUI because they will be considered “high-risk.” Because of your DUI in Hammond, Indiana, you would have to get DUI insurance from a company who offers it. This kind of insurance is a specific policy which will give you coverage since you have a DUI. The rates would be significantly higher due to the risk category, but it would be necessary that all licensed drivers have auto insurance. Although not all auto insurance providers carry DUI insurance, you could still be able to find one that would give you coverage. Just like what is available from this website so check the quotes for auto insurance now.