HB 1098 has been signed into law and requires the interim study committee on insurance to study the economic impact of uninsured drivers in Indiana, and possible solutions, including insurance verification processes; coverage restrictions; and fines.
It’s been awhile since I had to deal with uninsured motorists with any regularity. State Farm’s subrogation unit was once a client until the corporation restructured. When a State Farm insured would get hit by an uninsured motorist, State Farm would pay for the damage under the insured’s UI coverage. They would then become “subrogated” to their insured; basically step into the shoes of their insured and acquire rights against the tortfeasor. They would then try to collect from the uninsured motorist and, if unsuccessful, farm it out to guys like me to go sue. One good lever we had to collect was the ability to suspend driver’s licenses when they failed to pay a judgment for an uninsured loss for a period of (I think) 90 days after the judgment was entered. The suspension was good for up to 7 years unless they paid up or filed bankruptcy.