Types of Additional Insurance Coverage Recommended for All Drivers

Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

No matter how old you are, and how long you have been driving, there is always something new you can learn to better protect yourself and others on the road. In today’s case, it’s insurance coverage for motor vehicle accidents and injuries. Yes, you probably already have car insurance, as you must, but there are additional coverage plans that can drastically influence an outcome of a motor vehicle accident; especially if that accident results in injury or death. These kinds of accidents can happen to anyone, at any time, so it is best to be prepared to the fullest. This is especially beneficial for adolescents and new drivers.

Limited Liability Insurance Coverages

The reason it is so highly recommended to consider additional insurance coverage is due to liability limits. When a person purchases a new policy, a liability limit is established. The liability limit is the amount of compensation that would available to a person or family in the event that you negligently cause a motor vehicle accident in which someone were injured or killed. This kind of insurance is highly beneficial because it protects your assets from being liquidated in order to compensate a victim or their loved ones after your insurance liability limit is reached. The more personal assets you own and need to protect, the higher your liability limit should be.

Although all drivers and car owners are obligated by Indiana law to have a minimum amount of liability insurance, it is not enough in the event that a person is seriously injured or killed. This mandatory liability coverage is meant to ensure that a valid policy is in place to cover bodily injury and vehicular damages. In Indiana, the mandatory liability coverage is 25/50/10; which means $25,000 per person, $50,000 per accident, and $10,000 for property damages (in the case that your car accident caused property damages). The 25 is for yourself, to cover medical expenses, hospital bills, and vehicle damages, if you were the only one in the vehicle. If multiple people were injured, the 50 is divvied among each injured person in the victim’s vehicle. Now here is where the trouble can start if you don’t have ample liability coverage.

If your insurance limit only covers $50,000 for each injured victim, but their accumulated damages cost more than 50 grand, who is responsible for the remaining difference? This is where it can get complicated. Contact an Indianapolis Personal Injury Law Firm and speak to a licensed attorney about your case in order to learn your specific options. Take a look at the types of additional insurance coverage that can prevent these predicaments and compensation problems following a motor vehicle accident.

Insurance Plans that Provide Peace of Mind:

Medical Payment Coverage

This coverage, also referred to as “medpay”, is an optional policy you can add onto your existing auto insurance plan. This coverage is meant to cover medical expenses following a car accident, regardless of who is at-fault. This is beneficial coverage because it pays for a person’s medical expenses while their treatment is ongoing. This is great for people who do not have private health insurance coverage, and can’t pay out-of-pocket for treatment while waiting for reimbursement checks from the auto insurance company.

Un-Insured and Under-Insured Coverages

UM insurance is very important to have and should be strongly considered by all drivers who do not already carry this type of insurance. In the case that a you are involved in a car accident, and the negligent driver does not have enough insurance, or personal coverage, to compensation you for your bodily injury and vehicle damages, your UM coverage will come in handy. If the at-fault driver does not have insurance at all, then this is another instance where UM insurance coverage helps. You won’t be stuck paying for your own vehicle damages and medical expenses and more if the negligent driver has no insurance, or not enough.

Craven, Hoover, and Blazek P.C.

Indianapolis Personal Injury Lawyers 317-881-2700

Indianapolis Personal Injury Lawyers 317-881-2700

Call 317-881-2700 and schedule a free initial consultation with one of our licensed personal injury lawyers in Indianapolis, Indiana. Seasoned attorney, Daniel Craven, and his fellow colleagues, are eager to help you recover the full and fair compensation you deserve after being injured in a motor vehicle accident. We provide comprehensive legal services for car accident victims and their families, and we never collect lawyer fees unless we obtain compensation for you! Call 317-881-2700 to learn more about your rights following a personal injury in
Indianapolis, IN or its surrounding counties.

What Does Statute of Limitations Mean in an Injury Lawsuit?

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

When a person is injured in a negligent accident, they or their families may wish to pursue compensation through a personal injury lawsuit. In this case, they have a limited amount of time in which they can legally file a claim or lawsuit against an opposing party. This is called the statute of limitations. Continue reading to learn more about how statute of limitations works in an accident lawsuit, and who to call for information about Indianapolis personal injury claims.

Statute of Limitations

Each state has a different time period for their own statute of limitations. These time agendas are set by state government and differ depending on the type of accident, charge, or crime. In the case of a personal injury claim, the lawsuit would fall under “civil law” and have a set time frame in which a defendant can be sued for a victim’s damages. Some states may allow 3 years to file a lawsuit after an injury or accident; while another state may only allow 2 years. These laws are set in place to protect the defendant. It prevents potential defendants or opposing parties from living in a state of perpetuity, where they can be sued or prosecuted at any time during which. They are intended to bring legal claims to court in a timely manner.

The statute of limitations “time clock” always begins at the scene of the accident, or on the date of the loss. The actual day a person becomes a victim of a personal injury is the same day this metaphorical time clock starts. Once this time limit runs out, a lawsuit can no longer be filed.

In Indiana, the statute of limitations for civil lawsuits, particularly pertaining to personal injury, is two years. For other types of civil crimes, time can extend to six years or more. So if you or a loved one has been negligently and seriously hurt in an accident within the last two years, you may still be eligible for remuneration for your damages and losses. Contact an Indianapolis personal injury lawyer for information right away, before your time runs out!

Craven, Hoover, and Blazek P.C.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 and speak with a licensed personal injury lawyer in Indianapolis, Indiana today. Attorney, Daniel Craven, is eager to help you recover the compensation you deserve after being injured in an accident. We offer free initial consultations to assess your case and determine if you have a valid claim. Also, we never collect lawyer fees unless we recover compensation for you! Call 317-881-2700 and speak with a friendly and knowledgeable legal representative about your recent personal injury in Indianapolis, IN today.

Is an Unfortunate Medical Outcome Necessarily Medical Malpractice?

Medical Malpractice Lawyers 317-881-2700

Medical Malpractice Lawyers 317-881-2700

Medicine and medical care is, without a doubt, one of the most delicate and complicated industries. No matter how proficient or well-versed a physician or surgeon may be, it is inevitable that at some point in their career, they will experience at least once unsuccessful treatment or medical case. All doctors and superintendents in the medical field are well-aware that not all cases can be successful or treated; and the law comprehends this notion as well.

This protects hospitals and physicians from medical malpractice lawsuits in the case of a tragic and unfortunate medical outcome. If a patient perishes or becomes more ill from a particular treatment or illness, it is not always immediately connected to medical malpractice.

Medical Malpractice Lawsuits

When it comes to a medical malpractice lawsuit, courts and lawyers work diligently, using a methodical approach, to investigate the circumstances of a patient’s treatment, illness, or death. It is their jobs to distinguish the difference between an unexpected or inevitable misfortune, and actual medical malpractice. There are standards of care in the wider medical community, and these standards are how the law identifies medicine malpractice cases. So if doctors or personnel fail to meet these standards and a tragedy occurs, then malpractice may be at play. In this case, families may be entitled to compensation for wrongful death and medical malpractice, and encouraged to pursue a lawsuit.

When it comes to medical mistakes or surgical errors, these cases are rarely cut and dry. In order to accurately assess and investigate the underlying circumstances and causes of such errors, families need a skilled and seasoned Indianapolis medical malpractice attorney to evaluate their case.

Craven, Hoover, and Blazek P.C.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

Call 317-881-2700 to schedule a free initial consultation with a licensed and highly accomplished medical malpractice lawyer in Indianapolis, Indiana. Attorney Daniel Craven, and his fellow colleagues, are extensively well-versed in medicine malpractice law and will work fervently to recover the compensation your family deserves after suffering a loss or wrongful death. We provide all-inclusive customer support and never collect lawyer fees unless we obtain compensation for you. Call 317-881-2700 for more information about filing a medical malpractice lawsuit in
Indianapolis, IN
today.

How to Recover Compensation for Motor Vehicle Accidents and Injuries

Car Accident Lawyers 317-881-2700

Car Accident Lawyers 317-881-2700

If you or a loved one was recently involved in a motor vehicle accident or car crash, and suffered serious injuries as a result of opposing negligence, you may be entitled to legal compensation for your damages. It is vital to take immediate action after being hurt in a car accident in order to maintain a strong and valid case against an opposing or negligent party. There are statutes of limitations and state laws that regulate how much time a victims has to file a personal injury lawsuit. This is another reason to act fast
following an auto accident.

Continue reading to learn what to do, what steps to take, and how to recover compensation for you or your loved one’s damages following a motor vehicle accident and resulting injuries.

Steps for Auto Accident Lawsuits

As soon as a person is involved in a car wreck, or some other motor vehicle accident (i.e. motorcycle, boat, scooter, truck, bus, van, etc.) it is vital to request immediate medical attention; preferably at the scene of the accident. This is the most important step out of all the recommended proceedings in a motor vehicle accident and injury lawsuit. A person’s life, health, and well-being are the most important priority. After that, it is important to have medical records showing legal documentation expressing the onset injuries and damages of a victim. These records, combined with many others, are used as evidence in a court of law.

Once medical attention is received and a victim is stabilized, it is important to then file a police report. This is usually done at the scene of the accident because on-duty officers usually report to the scene of a car accident. These records are also used as evidence to support a victim’s case and claim. When a person is too incapacitated, or unconscious, it is okay for an immediate family member to file to report initially; and then later, when the victim is conscience or stable, they can add their accounts of the accident as well.

Once the medical and police reports are documented and recorded, and the injured victim is in good care, it is time to contact an Indianapolis Personal Injury Law Firm for professional legal counsel and to get your claim started. It is important to choose a reputable and licensed attorney that concentrates on motor vehicle accidents, and retains extensive litigation and trial experience. Most law firms and personal injury lawyers offer free initial consultations to assess a person’s claim, and determine if they are eligible for remuneration.

Craven, Hoover, and Blazek P.C.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

Call 317-881-2700 and speak with a licensed personal injury attorney at Crave, Hoover, and Blazek P.C. in Indianapolis, Indiana. Daniel Craven, Ralph Hoover, and Keith Blazek are highly accomplished and respected accident lawyers with extensive trial and litigation experience. We are seasoned attorneys that have a focus on motor vehicle accident and injury lawsuits, and will represent you without any upfront legal fees! Call 317-881-2700 and schedule your free initial consultation to discuss and review a recent car accident injury in Indianapolis, IN and
its surrounding counties.

Can Anti-Depressants Cause Birth Defects if Taken During Pregnancy?

Medical Malpractice Attorneys 317-881-2700

Medical Malpractice Attorneys 317-881-2700

Many people are prescribed thousands of medications and treatments for infinite conditions and illnesses. One of the most common prescription drugs fall into the category of anti-depression medications. Anti-depressants have been used to treat emotional and mental illnesses in men, women, and children for several years, all over the world. They are generally prescribed by family and psychiatric doctors.

When it comes to these kinds of prescriptions, there has been a lot of talk about their effects on pregnancies in women. Families want to know if anti-depression medication can be linked to birth defects in newborn babies. We all know that pregnancy is a challenging and emotional time for a woman. For women who suffer from depression, most of the time a standard anti-depressant is prescribed to treat the condition. Although this has been a common practice in the medical world, there is now new studies that may prove that these drugs have the potential to cause birth defects and severe health complications if taken while pregnant.

SSRI’s and Birth Defects

There are many anti-depression medicines, many of which include SSRI’s or selective serotonin reuptake inhibitors. Several of these medications, as well as other non-SSRI anti-depressants, have been linked to birth defects when taken during a woman’s pregnancy. Unfortunately, due to the inconclusiveness of many studies, the medical communities are simply unsure on whether or not the link actually exists. This means doctors and psychiatrists are still prescribing pregnant women who are suffering from depression and anxiety, anti-depression medication.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

There is, however, evidence that one common type of anti-depressant causes a rare lung and heart condition in newborns. They are specific SSRI’s that include medications like Prozac, Celexa, Lexapro, Luvox, Zoloft, and Paxil. The lung condition that has been linked to these drugs is called Persistent Pulmonary Hypertension or PPHN. It is a very serious condition found in newborn babies that requires 24 hour comprehensive supervision and medical treatment. Unfortunately, even with intensive treatment, most babies will not make it. Their circulatory system is simply not strong enough to deliver oxygen to the soft tissue of the lungs and other major organs. As a result, babies suffer shock, brain hemorrhaging, heart failure, and many other serious complications.

If you or a loved one was pregnant and taking prescription anti-depressants like the ones mentioned above, and a child was born with health problems, contact an Indianapolis Medical Malpractice Lawyer right away. They retain the proper resources to investigate a case and determine if medical malpractice has occurred in any way. You could be entitled to compensation for your family’s damages, pain, and suffering.

Craven, Hoover, and Blazek P.C.

Indianapolis Personal Injury Lawyers 317-881-2700

Indianapolis Personal Injury Lawyers 317-881-2700

Call 317-881-2700 and speak with a licensed personal injury lawyer in Indianapolis, Indiana today. Craven, Hoover, and Blazek P.C. retains the state’s most accomplished accident attorneys and legal teams. Attorney, Daniel Craven, has more than 30 years of litigation and trial experience. We offer free initial consultations and never collect lawyer fees unless we prevail for you! Call 317-881-2700 and speak with a friendly and knowledgeable legal representative about your potential medical malpractice claim in Indianapolis, IN and its surrounding counties.