In terms of car accident liability, Indiana is a “tort” or “fault” state. Basically, this means that the driver who caused the crash pays damages. Every case is different, and an attorney can help you decide the best strategy for your case. But, typically, collecting compensation after a crash will go like this:
An Indiana car accident victim, who is less than 50 percent at-fault, files a claim with the other driver’s car insurance. An adjuster investigates the crash, determines fault, and either rejects the application or calculates a settlement. (Practically speaking, expect it to be a lowball settlement offer that undervalues your pain, comfort, work, and expenses.)
Never accept a settlement or any form of compensation from an insurance company without consulting a lawyer first. Only a lawyer with your best interests at heart can calculate the true value of your claim and negotiate aggressively to get you the results you deserve. If the insurance company won’t make you a reasonable offer, your lawyer can take them to court.