Home Car Accidents How Car Accident Compensation Works In Indiana

When you're in a car accident in Indiana, the first thing you should do is make sure everyone is safe. Then, it’s really important to call 911. The police will come, make sure the area is safe, help anyone who is hurt, and write up a report about what happened.

Who Pays For a Car Accident in Indiana?

Our Indianapolis attorneys explain how the system works

When you're in a car accident in Indiana, the impact can last a long time. The crash happens quickly, but dealing with medical bills, lost income, and other costs can take a while to sort out. Ultimately, someone has to cover these expenses.

If you've been in a car accident in Indiana, it's important to know how to get the compensation you deserve. Dealing with insurance can be tricky, and one wrong move can have long-term consequences. Your best bet for seeking compensation after a car accident is to have a skilled Indianapolis car accident lawyer by your side.

Is Indiana "At-Fault" State for Car Accidents?

Indiana operates under an "at-fault" or "tort" system, which means that the driver who is found to be at-fault in an accident (and their insurance) is liable for paying for your injuries and damages. In simpler terms, if you're injured in "car accident in Indiana, the at-fault drivedriver'srance will typically cover your medical expenses and other losses.

Remember to submit a claim to the at-fault driver's insurance company if you were hurt in an accident caused by someone else.

If you've been in a car accident that wasn't your fault, you can take legal action against the responsible driver. Their insurance company will handle their side of you're accident.

If you have certain kinds of protection in your car insurance", you might also be able to make a claim directly to your own insurance company.

What Happens if I'm Partially at Fault?

In Indiana, if you're in a car accident and it's determined that multiple parties are at fault, the amount of money you receive in compensation will depend on how much each party is responsible. For example, if one person is 70% at fault and another is 30% at fault, you would receive 70% of your compensation from first person and 30% from the second person.

The modified comparative fault rule basically means that if you are partially at fault for something that happened, you can still get compensation as long as you are not more at fault than the other person. If you are, say, 20% at fault, you can still get compensation, but the amouwhat's receive will be reduced by 20%. However, if you are 51% or more at fault, you won't be able to get any compensation at all.

What does car insurance cover in Indiana?

According to Indiana law, all cars registered in the state must have 25/50/25 liability insurance. This means that every vehicle needs to have:

  • Bodily injury liability: Minimum of $25,000 per person
  • Bodily injury liability: Minimum of $50,000 per accident
  • Property damage liability: Minimum of $25,000 per accident.

The main type of car insurance you need in Indiana is liability insurance. You can also purchase additional insurance coverage to your policy, like:

Collision and comprehensive – "Collision and comprehensive insurance cover the cost of repairing your car if it's damaged in a crash or non-crash situations like fire or vandalism.

Medical payments (MedPay)

Uninsured and Under-Insured Motorist (UM/UIM) – Uninsured and underinsured motorist policies help protect you if you're in an accident caused by a driver who doesn't have or doesn't have enough insurance to cover all the costs.

What if the Other Driver Doesn't Have Insurance?

Uninsured and under insured motorist coverage helps protect you if you're in a wreck caused by a driver who doesn't have insurance or doesn't have enough insurance to cover all the costs.

If you don't have insurance coverage and you're in an accident with a driver who doesn't have enough or any insurance, your choices are more limited. But a lawyer experienced in car accidents may be able to look into and find other ways for you to get compensation based on what happened.

Can Others Be Liable for My Car Accident?

Remember, in most car accidents, the careless driver is usually to blame. But sometimes, someone else might be held responsible.

Vehicle manufacturer: When a company makes a car, they have to make sure it's safe and works well. If something goes terribly wrong and causes an accident, such as if the brakes stop working, you might be able to take legal action against the company that made the car. This could help you get compensated for the accident.

"Dram shop" liability: "Under Indiana law, if you're hurt by a drunk driver, you can seek compensation from bars, restaurants, or other places that served alcohol to the person who caused the accident. To make a claim, you need to prove that the business served alcohol to someone who was very obviously drunk and that this person's intoxication led to your injuries."

It's important to have an experienced lawyer to help you with a car accident case because they can find all the different way to help you get the money you need to cover your losses. Car accidents can be really expensive, so it's important to have every possible way to get the help you need.

How Does Insurance Work if You're Not at Fault?

The value of your car accident claim depends on how badly you were hurt. It could be worth a lot of money to compensate you for things like:

  • Medical bills
  • Medication
  • Surgeries
  • Medical Devices
  • Physical therapy
  • Ongoing medical care
  • Other medical expenses
  • Lost wages
  • Pain and Suffering
  • Mental Anguish
  • Emotional Distress
  • Property Damage

If you've been hurt in a car accident and are experiencing pain in your back, shoulders, stomach, or neck, your insurance claim should coveryour immediate medical expenses and any ongoing treatment like physical therapy or pain medication. It should also include the cost of any medical devices you might need, such as braces or mobility aids. If the accident makes it more likely that you'll need surgery in the future, those potential costs should also be considered in your claim.

How Long do you Have to Report a Car Crash to your Insurance Company in Indiana?

Remember to let your insurance company know about your car accident as soon as you can. In Indiana, you usually have about 30 days to do this. Be careful about what you say to any insurance company, including your own.

When you're involved in a car accident, be careful about what you say to others. Stick to sharing just the basic facts about the accident, like when and where it happened and who was involved. Also, make sure to tell your insurance company if you are injured. Avoid talking about who was at fault.

Can a Lawyer Really Help Me Get More?

Just a heads-up - in Indiana, you only have one chance to get compensation for any pain you experience after a car accident. Once your case is settled, you can't ask for more money later. Also, you have a limited time to make your claim, which is generally 2 years from the date of the accident, but it can change based on what happened.

It's crucial to start gathering evidence and building your case as soon as possible before evidence is lost and witnesses' memories fade. You deserve full compensation for your car accident, and it's important to seek help. Contact Emerson Divorce and Accident Injury Attorneys today for a free consultation with an experienced Indianapolis car accident attorney.

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