Indiana pays UM and UIM as the lesser of your limit and your damages, each less what the at-fault party paid, and lets a policy cap total recovery at the highest single policy. Enter your limits, damages and the other party's payment to see both the combined and the single-policy result.
Enter your policy limits, your damages and what the other party paid.
Indiana's rules are in IC 27-7-5-2 (offer and rejection), 27-7-5-4 (definitions) and 27-7-5-5 (limits and the maximum payable). The minimum limits are in 9-25-4-5, and the injury deadline in 34-11-2-4.
Read how stacked and single-policy coverage differ in Indiana, check what section 27-7-5-5 says, or see how UM and UIM work in Indiana.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Indiana statutes. Confirm how these rules apply to your specific case with a licensed Indiana attorney.