What to do after a hit-and-run in Indiana

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Even with the best car insurance, experiencing a hit and run in Indiana can be both expensive and time-consuming. These incidents are one of the many reasons that most states require auto insurance for all drivers. Without insurance, the financial damages experienced by an Indiana hit and run could quickly lead to unmanageable debt and potentially a lack of transportation.

However, while insurance can save a lot of out-of-pocket expenditure if you experience a hit and run, the odds are good that your premiums will rise afterward. Even if you are not responsible for the damages caused, insurance premiums may still rise if you file a claim on your vehicle. However, these rate increases are significantly less than what a driver charged with a hit and run will see.

Hit-and-runs in Indiana

A hit and run in Indiana is defined as one driver hitting another vehicle, person or property and fleeing the area without providing their information. Doing this is a criminal offense in Indiana. In Indiana in 2019, 13% of collisions were hit and runs. That amounts to just over 28,000 hit and runs in 2019 alone. The unique financial risk of these incidents is the difficulty in finding the at-fault driver. Without the information of who caused the accident, the financial burden falls on the driver, and their insurance, who was hit.

Indiana has stricter definitions for hit and run crimes than some states. While some states require that an accident cause bodily injury to qualify as a hit and run, Indiana does not. Any at-fault driver who flees the scene of the accident without providing their required information could be culpable for a hit and run.

Indiana hit-and-run laws

If you are convicted of a hit and run in Indiana and you are a first-time offender, you may face up to a $5,000 fine and a year of jail time. Indiana hit and run laws require drivers that cause an accident stop afterward, once safely possible, and provide their personal information to the affected parties. This information includes things like insurance, name and contact, and basic vehicle details.

The hit and run Indiana statute states that the more extreme the damages caused, mainly if it results in severe injury or death, the greater the legal consequences for the at-fault driver. For instance, a hit and run that causes a minor injury is generally a misdemeanor in Indiana, but one that causes severe injury or death is charged as a felony.

Legal consequences aren’t the only ones, however. Committing a hit and run in Indiana may see your auto insurance rates climb by nearly double. Not only that, but insurers may be less likely to work with you, and the state may require that you file an SR-22 insurance form.

How hit-and-runs impact car insurance rates in Indiana

On top of the other difficulties presented, committing a hit and run can also increase the cost of insurance by a significant amount. On average, a hit and run in Indiana increases the at-fault driver’s premiums by $1,207. A regular car accident in Indiana, on average, increases the at-fault driver’s premiums by $571. This stark difference is due mainly to how hit and run drivers present themselves as a much greater risk than those who don’t flee the scene of an accident.

Average annual full coverage premiums:

Before a hit-and-run After a hit-and-run After a standard accident
Indiana average $1,254 $2,461 $1,825
National average $1,674 $3,367 $2,405

4 things to do after a hit-and-run in Indiana

When you experience a hit and run, there are generally a few wise steps to take. First and foremost, always take care of safety. Below is a guide for what to do in case of a hit and run in Indiana.

  1. Assess safety and call emergency services. Make sure that you and your passengers are uninjured. If there are injuries, contact emergency services and request an ambulance as needed.
  2. Report the incident to the police. After safety has been assured, contact the police to report the incident. They will need some basic information to file the report, and they may send an officer to inspect the scene.
  3. Document evidence at the scene. If you are safe to do so, document the scene with pictures and notes. The more evidence you have, and the fresher it is, the better it can aid the insurance company and the police.
  4. Call your auto insurance company. If you intend to file a claim, contact your auto insurance company and report the accident to them, along with the evidence you gathered. Inform the agent that you would like to file a claim. Before the insurer pays out on your claim, you may have a hit and run deductible to pay.

Will insurance cover a hit-and-run?

Insurance can cover a hit and run, depending on the circumstances and the policy type. Basic liability generally won’t work as Indiana hit and run insurance. Collision coverage and uninsured motorist insurance can help with property damage and some medical costs if you are the victim of a hit and run. Both of these policies are designed to cover the damages done to your vehicle. Medical payments coverage can help with the medical bills of you and your passengers when you are the victim of a hit and run. The nuances of when and how these coverages can function as hit and run Indiana insurance can vary between companies.

  • Collision coverage: Collision coverage covers the cost of repairs to your vehicle if it is damaged in a collision. Usually, this is when you are at fault for an accident and need the policy to cover your own costs since basic liability does not. However, the unique nature of a hit and run may make this coverage type well-suited for such incidents.
  • Uninsured motorist: These policies essentially fill in for another driver not having basic liability coverage. The idea is that if an uninsured driver hits you, this policy can cover your costs. Because of this design, these policies may work well with a hit and run incident.
  • Medical payments: Medical payments coverage won’t help with vehicle repairs. Still, it may help with the costs of medical bills for you and your passengers if you are injured as victims of a hit and run.

Frequently asked questions

How much does car insurance in Indiana cost?

Rates can vary significantly between drivers, companies, locations and circumstances. On average, though, Indiana car insurance costs $367 per year for minimum coverage and $1,254 per year for full coverage. The average cost of car insurance for the U.S. is somewhat higher at $1,674 per year for full coverage.

How much car insurance do I need in Indiana?

Depending on your circumstances and your comfort with risk, the amount of coverage you need could vary. However, most states have a minimum amount of required auto insurance, and Indiana is no exception. Indiana requires 25/50/25 of liability insurance. Some drivers choose to purchase more than the state minimum to help protect them further from financial risk.

Who has the best Indiana car insurance?

The best car insurance for one person is not always the best car insurance for another person. Rates and policies can vary significantly between customers and companies, making it challenging to select just one company as the best. When looking for insurance policies, it is recommended to shop around between multiple companies and compare their quotes and plans. Consider starting this search with the Bankrate guide to the best car insurance companies in Indiana for 2021.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Joshua Cox-Steib
Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate.com, Coverage.com, Thesimpledollar.com, Reviews.com, and more. His work has also been featured on such sites as Msn.com and BBB.org. His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.
Edited by
Insurance Editor