In some states, there are “no fault” laws in place. In those states, if you’re hurt in an accident, no matter who is at fault, personal injury protection (PIP) will pay your medical bills, expenses and loss of income. Indiana is not a “no fault” state, so PIP coverage does not apply to accidents in Indiana. However, if an Indiana resident is injured in an accident occurring in a no-fault state, PIP may apply. Uninsured Motorist (UM) or underinsured motorist (UIM) coverage is an optional coverage you may have under your auto policy which protects you if the driver who caused your accident was uninsured or did not have enough insurance—underinsured—to pay your claim. UIM coverage helps make up the difference in a negligent driver’s insurance policy limits and the damages you suffered from your injuries. This is important because the emergency room bill alone could easily be many times higher than the $25,000 minimum liability coverage Indiana drivers are required to carry. When buying car insurance, think seriously about getting UM and UIM coverage. Hopefully you’ll never need it, but if you do, it could make the difference in keeping your family afloat while you’re recovering.