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Is Indiana an at-fault state?
Last week, I was in a fender bender that was my fault. I live in Indiana. Will I have to pay for the damages or does the other driver’s insurance pay?
Melanie Johnson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear you were in an accident! Indiana is an at-fault state. This means that, since you were responsible for the accident, you will have to pay for the other driver’s damages.
Let’s discuss the difference between at-fault and no-fault states:
- In an at-fault state, or a tort state, the driver who caused the accident pays for the other driver’s property damage resulting from a collision.
- In a no-fault state both parties turn to their respective insurers for medical expenses resulting from an accident, but the at-fault driver is typically still liable for paying for the other driver’s property damage.
There are twelve no-fault states. They are:
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
It’s always a good idea to have more than the bare-minimum protection. For more coverage in future collisions, consider opting for
full coverage insurance
.An at-fault accident will undoubtedly increase your
Indiana car insurance costs
. Don’t fret! Licensed broker
and super app
Jerry
can help lower your costs! Here’s how it works: in less than a minute, Jerry will provide you with quotes from over 55 of the country’s top insurers. All you have to do is pick the policy you want, and Jerry will handle all the details.
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