11/02/2026
🚗 INSURANCE EXPLAINED: What if the driver who hits you doesn't have insurance?
Not everyone on the road carries auto insurance, even though it's required by law.
Did you know Indiana drivers can purchase two types of uninsured motorist protection?
✅ Uninsured Motorist Bodily Injury (UMBI) – Helps protect you and your passengers if you're injured by an uninsured, at-fault driver.
✅ Uninsured Motorist Property Damage (UMPD) – Can help pay for damage to your vehicle caused by an identifiable, uninsured, at-fault driver.
⚠️ Important: Don't assume a hit-and-run accident qualifies for uninsured motorist property damage coverage. The other driver generally must be identified, and coverage depends on the circumstances and your policy.
UMPD isn't available in every state, but it is an option in Indiana.
Not sure what coverage you have? It's worth checking before you need it!
📞 Brian Mayfield Agency – Farmers Insurance
812-725-7563
Coverage is subject to policy terms, conditions, exclusions, and limits.