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Is Indiana a No-Fault State? Determining Who’s At Fault

If you’ve been involved in a car accident in Indiana, one of the first questions you might ask is – “Is Indiana a no-fault state?” The answer is no, Indiana is not a no-fault state. Instead, it follows a “fault” system, which means that the driver who caused the accident (and their insurance company) is responsible for paying for the damages and injuries resulting from the crash.

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In a no-fault state, each driver’s insurance company covers their policyholder’s injuries and damages, regardless of who was at fault. However, in Indiana, you can file a claim against the at-fault driver’s liability insurance policy to recover compensation for your losses.

Determining Fault in an Indiana Car Accident

Since Indiana is a fault state, establishing who was at fault for the accident is crucial. The at-fault party’s liability insurance will be responsible for covering the damages and injuries sustained by the other parties involved. 

Here’s how fault is typically determined:

1. Police report: The police officers who respond to the accident scene will investigate and document their findings in a police report. 

2. Eyewitness accounts: Statements from eyewitnesses who saw the accident can provide valuable insight into what happened and who was responsible.

3. Physical evidence: Skid marks, vehicle damage, and other physical evidence from the accident scene can help reconstruct the events and identify the at-fault party.

4. Traffic camera footage: If the accident occurred at an intersection with traffic cameras, the footage can pinpoint the at-fault party.

5. Expert analysis: In some cases, accident reconstruction experts may be brought in to analyze the evidence and provide an opinion on who was at fault.

The Role of Comparative Fault

Indiana follows a “modified comparative fault” rule, which means that you can still recover compensation even if you were partially at fault for the accident. However, your compensation will be reduced by your percentage of fault.

For example, if you were found to be 20% at fault for the accident, and the total damages amounted to $100,000, you would only be able to recover $80,000 (the remaining 80% after your fault has been deducted).

It’s important to note that if you are found to be 51% or more at fault for the accident, you cannot recover any compensation from the other party.

Protecting Your Rights After a Car Accident

If you’ve been involved in a car accident in Indiana, take the following steps to protect your rights and strengthen your case:

1. Call the police and report the accident.

2. Seek medical attention, even if you don’t believe you’re seriously injured. Some injuries may not be noticeable right away.

3. Gather evidence at the scene, such as photographs, witness contact information, and any available traffic camera footage.

4. Avoid admitting fault or apologizing, as these statements can be used against you later.

5. Contact a personal injury attorney who can help you navigate the claims process and protect your rights.

The Importance of Liability Insurance

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In Indiana, all drivers are required to carry liability insurance, which covers the damages and injuries they cause to others in an accident. 

The minimum liability insurance requirements in Indiana are:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $25,000 per accident

While these are the minimum requirements, it’s generally recommended to carry higher liability insurance limits to ensure you’re protected in the event of a serious accident.

Dealing with Insurance Companies

After a car accident, you’ll likely need to deal with insurance companies, whether your own, the at-fault driver’s, or both. Insurance companies are primarily focused on protecting their financial interests, which means they may try to minimize the compensation they have to pay out.

When dealing with insurance companies, it’s advisable to have a car accident attorney represent you. They can handle communication with the insurance companies, negotiate on your behalf, and ensure that your rights are protected.

Don’t provide recorded statements or sign any documents without consulting your attorney first, as these can be used against you later.

Contact Crossen Law Firm After a Car Accident in Indiana

While Indiana is not a no-fault state, the state’s fault-based system allows you to recover compensation from the at-fault driver’s liability insurance policy. However, determining fault can be a complex process, and having a skilled car accident attorney on your side can significantly increase your chances of receiving fair compensation for your losses.

Remember, protecting your rights and gathering evidence immediately after the accident is crucial. Contact the team at Crossen Law Firm today to ensure that your interests are protected and that you receive the compensation you deserve. We don’t get paid until you receive your fair settlement. Call us at 317-401-8626 or fill out our online form to schedule your free consultation.