One Slick Road. One Uninsured Driver. One Moment That Changes Everything.

Winter accidents increase the risk of collisions with uninsured or underinsured drivers. Reviewing your insurance coverage now—before an accident happens—can prevent major financial stress later.

Indiana winters are unpredictable, and this season has been especially rough. Ice, snow, and reduced visibility make accidents more likely—even for careful drivers.

The real danger isn’t just the weather. It’s who you share the road with.

Winter Driving Reality Check

Driving on ice isn’t forgiving:

• Sudden braking can send you sliding

• Sharp turns can cause total loss of control

• Tire condition matters more than most drivers realize

• Extra time and patience are essential

Even if you do everything right, you can’t control other drivers—or whether they carry enough insurance.

Coverage You Should Review Now

Uninsured Motorist Coverage (UM)
Protects you if the at-fault driver has no insurance.

Underinsured Motorist Coverage (UIM)
Covers the gap when the other driver’s insurance isn’t enough to pay for medical bills or damages.

Medical Payments Coverage (Med Pay)
Pays medical expenses regardless of fault, helping you get treatment without delay.

These coverages are often affordable and can prevent devastating out-of-pocket costs.

Injured in an Accident or Unsure About Your Coverage?
Call Boren, Oliver & Coffey today to review your options and protect yourself before—or after—an accident.

Schedule A Consultation

Kris Fuller

Kris is a Partner at Boren, Oliver & Coffey, LLP and an experienced litigator. He is a lifelong resident of Central Indiana who left for just long enough to attend law school at the University of Dayton, where he was a member of the Honor Counsel and recognized for his pro bono work. At Boren, Oliver & Coffey, LLP Kris has focused on eminent domain, personal injury, and criminal law.

Areas of Focus: Personal Injury, Criminal Law