Uninsured and Underinsured Motorist Coverage for Indiana Riders
Liability insurance protects other people from damage you cause. It does nothing for you if someone else causes a crash and doesn't have enough coverage, or any coverage at all, to pay for what happens to you. That's the gap uninsured and underinsured motorist coverage is built to close, and it matters more for riders than for most drivers.
Why this matters more on two wheels
Riders are more exposed in a collision than someone inside a car, and the costs of a serious injury can be significant. If the at-fault driver is uninsured, or carries only the state minimum liability limits, their policy may fall well short of covering your medical bills, lost income, and the damage to your motorcycle. Without your own uninsured/underinsured motorist coverage, you'd be left pursuing the other driver personally for the difference, which is often not realistic.
What it actually pays for
Uninsured motorist coverage steps in when the at-fault party has no insurance at all. Underinsured motorist coverage steps in when they have some coverage, but not enough to fully pay for your damages. Both are meant to put you closer to where you'd be if the other driver had been properly insured.
It's often optional, which is exactly the problem
Because this coverage is frequently not required at the state minimum level, some riders skip it without fully weighing the tradeoff, especially if they're focused only on hitting the legal minimum. Combined with medical payments coverage, it's one of the more meaningful add-ons for protecting yourself specifically, rather than just the other party. Our coverage guide breaks down where this fits alongside liability, collision, and comprehensive.
Worth a direct conversation
Whether this coverage makes sense for you, and at what limits, depends on your bike, your health coverage, and how much risk you're comfortable carrying yourself. It's a conversation worth having before you need it, not after.
Get a quote and ask us directly whether your current setup would actually protect you if the other driver wasn't properly insured.
