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.
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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...
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