When the other driver has no license and no insurance
I learned recently that Indiana has over 5,000,000 licensed drivers and that it also has over 380,000 drivers whose licenses have been suspended. Unfortunately suspending someone’s license does not mean they will stop driving. Many accidents and crashes are caused by drivers who have a suspended license. Their lack of concern regarding not following the rules does not stop with the license . Unfortunately most of them probably have no insurance as well. If you are in a collision or crash with a driver whose license is suspended then it is important that you have taken steps in advance to protect yourself for not only your property damage but your injuries, medical bills, lost wages and other damages you may suffer. Your best protection is to be sure that you have sufficient limits on your uninsured motorists coverage. These days it does not take long to incur medical bills far in excess of the states minimum required insurance limit. You should check with your agent to see about increasing your uninsured and underinsured(when the other driver has insurance but just not enough) limits on your policy . Often increasing these limits to $100,000.00 or greater is not that expensive. I would encourage you to also check into what is called an umbrella policy which can increase your protection to $1,000,000.00. This coverage is often a small percentage of the policy premium. When you are driving on the road and the driver in front, behind or beside you has a suspended license , the last thing you need to worry about in a crash is not having enough coverage to protect you and your passengers.