Indiana § 27-7-5-3 Property damage coverage; authorization

Indiana Statutes

§ 27-7-5-3 — Property damage coverage; authorization

Indiana § 27-7-5-3

Title 27INSURANCE

Art. 7SPECIAL TYPES OF INSURANCE

Ch. 5Uninsured Motorist Coverage and Underinsured Motorist

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Bluebook

Ind. Code § 27-7-5-3 (2026).

Text

(a)Insurers shall additionally offer to provide uninsured motorist property damage coverage without any deductible amount and may offer uninsured motorist property damage coverage with a deductible of not more than the first three hundred dollars ($300.00) of property damage caused by collision. However, any such deductible amount for property damage shall be waived for damage resulting from collision if the insured motor vehicle is legally parked and unoccupied when involved in a motor vehicle accident for which the insured is legally entitled to recover damages from an uninsured motorist.

(b)Property damage losses recoverable under the provisions of this chapter are limited to damages to the insured motor vehicle and the personal property owned by the insured which is contained in the

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(a) Insurers shall additionally offer to provide
uninsured motorist property damage coverage without any deductible
amount and may offer uninsured motorist property damage coverage
with a deductible of not more than the first three hundred dollars
($300.00) of property damage caused by collision. However, any such
deductible amount for property damage shall be waived for damage
resulting from collision if the insured motor vehicle is legally parked
and unoccupied when involved in a motor vehicle accident for which
the insured is legally entitled to recover damages from an uninsured
motorist.
(b) Property damage losses recoverable under the provisions of this
chapter are limited to damages to the insured motor vehicle and the
personal property owned by the insured which is contained in the
insured motor vehicle and shall not include the loss of use of damaged
or destroyed property.
(c) Any claim for property damage submitted under an uninsured
motorist coverage must include the name and address of the at-fault
operator and any other information to establish the at-fault operator is
without motor vehicle liability insurance. There shall be no liability
imposed upon an insurer where the owner or operator of the other
vehicle cannot be identified.
As added by Acts 1982, P.L.166, SEC.2. Amended by
P.L.259-1983, SEC.5.