Indiana is an “at-fault” state, meaning that the person who is found to be at-fault for the incident is responsible for covering damages. The person who is injured will file a claim with the at-fault driver’s insurance carrier first. They will only use their own coverage under their uninsured motorist/underinsured motorist coverage after the other driver’s limits have been exhausted. Injured motorists can also file personal injury lawsuits against the at-fault driver in Indiana.