Defensive Driving Tips to Keep You Accident Free

There isn’t enough knowledge you can have when it comes to safe driving. The more you know, the safer you are, which means the safer others are around you as well. Continue below to review some of the most important defensive driving tips that will keep you and your passengers accident-free, and safe on the road. See the bottom of this blog for information about learning how to file a claim after being injured in a car accident that wasn’t your fault.

Indianapolis IN Car Accident Lawyers
Indianapolis IN Car Accident Lawyers 317-881-2700

How to be a Defensive Driver

You can always improve your skills as a safe driver on the road. One way to do this is to ensure you are always defensively driving. What is a defensive driver? Defensive driving is the practice in which drivers operate their vehicles with optimal safety and cautious driving techniques. A defensive driver follows all traffic rules and regulations, and also stays current on all factory scheduled maintenance for their vehicle. When your car is well cared for, it performs its best, which means it’s a safe vehicle to drive. As for your own driving, summon your drivers’ education knowledge, and then combine it with some new driving techniques to help you be a safer driver that avoids causing or being involved in accidents on the road.

Top Tips for Defensive Driving

☑ DO NOT DRIVE DISTRACTED

Distracted driving is one of the most common causes of negligent car accidents, especially those that involve serious bodily harm or injury. Examples of distracted driving include driving when tired or fatigued, driving under the influence of alcohol or other substances that impair you, texting, eating, putting on makeup, sending emails, managing children in the backseat, rummaging through your purse, and anything else that requires you to take your eyes off the road for more than a second.

☑ NEVER TEXT AND DRIVE

As one of the most dangerous forms of distracted driving, it is important to never send text messages on your mobile phone while operating a vehicle. Instead, opt for hands-free technology that allows you to have both hands on your steering wheel and your eyes on the road while still maintaining a conversation. Equally important, only prompt phone calls when you are at a red stoplight, pulled over on the side of the road, or parked.

☑ KEEP A SAFE DISTANCE BETWEEN OTHER CARS

If you recall your drivers’ education knowledge, you will remember that your instructor taught you to keep at least one car length’s distance between the car in front of you. Another way to think of this is by maintaining 3 to 4 seconds worth of space between the vehicle in front of you. This will give you plenty of time to brake in the case of a sudden stop or emergency.

☑ ALWAYS GO THE SPEED LIMIT

A defensive driver always follows the speed limit, and never goes over it under any circumstances. There is a reason why municipalities set speed limits on all roads, streets, and interstates. Not only are they for safety, but they allow vehicles to travel most efficiently with optimal safety. By maintaining the speed limit, you are being a safe driver.

☑ LEARN YOUR BLIND SPOTS AND SIGNAL

Almost every car has a blind spot where two, and it is your responsibility as a driver to learn these blind spots and keep an eye on them whenever you are switching lanes are making turns. Equally important, always be sure to use your turn signals to let other drivers and even pedestrians know what direction you’re traveling.

Are you recently injured in a car accident that wasn’t your fault? Contact the Law Office of Craven, Hoover, and Blazek P.C. to speak with a seasoned attorney about your Indianapolis Indiana car accident injury. We serve clients all throughout the state, and require no initial or upfront lawyer fees.

You Should Also Read:

Common Distractions That Lead to Intersection Car Crashes
What You Need to Know About Car Accident Insurance and Injury Claims
How to Win a Car Accident Lawsuit

Indianapolis Personal Injury Lawyers 317-881-2700
Schedule a Free Consultation!

Top 5 Ways to Avoid a Serious Car Accident

Road safety is something that should be practiced and appreciated all year long. Now that summer is coming to a close, Hoosiers will soon be facing more inclement weather conditions, such as fog, wind, rain, snow, and ice. For this reason, now is the perfect time to review some of the most important road safety tips to better help you and those you love avoid serious car accidents.

Motor vehicle accidents can result in a wide range of injuries and damages, especially when they involve infants, young children, and elderly individuals. As we all know, some car accidents can even be fatal, which is why it is so important to remember driver and road safety at all times when operating a vehicle. Not only will this help protect yourself, it will also better protect passengers, pedestrians, and other drivers on the road.

Continue reading to learn the top 5 ways you and your loved ones can achieve this level of safety and assurance while driving.

Indiana Car Accident Attorneys 317-881-2700
Indiana Car Accident Attorneys 317-881-2700

Five Tips to Prevent Car Accidents

❶ Adhere to All Traffic Laws and Regulations

Not only should you obey all traffic rules, it is important to also adhere to all driving laws, including wearing seat-belts, maintaining an active and good-standing drivers’ license, license plates, automotive insurance, car lights and maintenance, tags, and more.

❷ Drive Sober and Clear-Headed

One of the most critical parts of road safety is to always drive sober. Never operate a vehicle after consuming drugs or alcohol; this includes OTC medications that can make you drowsy. In fact, an equally important rule is to never drive when sleepy. Fatigued driving is a top cause of serious car accidents, so be sure you are always rested and clear-headed before getting behind the wheel.

❸ Do Not Text and Drive

Never, under any circumstances, use your phone for texting while also operating a vehicle. Do not read emails nor text messages, and never attempt to text or send messages. Texting and driving is one of the current top causes for serious and fatal car accidents in the country. When you take your eyes off the road, even for a second, YOU ARE DRIVING BLIND. And the truth is, you do not have the right to drive a vehicle that weighs thousands of pounds without looking. Please educate other drivers about this vital safety rule.

❹ Never Follow Too Close

When operating a vehicle, always keep the appropriate distance between the car in front of you. One of the most common causes of rear end accidents, is following too closely. If the driver in front of you has to suddenly brake, you need enough time to notice and react, safely.

❺ Use Caution With Left Turns

Turning left, whether at an intersection or onto a street, can be dangerous if someone is not paying attention. Even if you have the right-away, be sure to always use extra caution when making a left turn. You never know when another driver decides to run a yellow or red light. Furthermore, be sure to only make a left turn if you are clear to do so.

Hurt in a Car Accident?

Call The Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 for help filing a car accident injury claim in Indianapolis, Indiana. Our seasoned accident lawyers, Daniel Craven, Ralph Hoover, and Keith Blazek, can help you recover the full and fair compensation you deserve after suffering a serious injury in a car accident. We offer free initial consultations and never collect lawyer fees unless we prevail for you. We represent serious injured and wrongful death clients throughout the State of Indiana. Schedule your consultation before the statutes of limitations runs out on your claim.

Indianapolis Personal Injury Lawyers 317-881-2700
Indianapolis Personal Injury Lawyers 317-881-2700

Types of Legal Liability for Driving Another’s Vehicle

Whether you loan out your vehicle to another person, or you drive a vehicle other than your own, there are several types of legal liability that might be at play. The scope of such liability differs among states, and from case to case, however, there are always laws surrounding the operation of a vehicle in one way or another.

Continue reading to learn which types of legal liability you should be aware of when it comes to operating another’s car.

Indianapolis Car Accident Attorneys 317-881-2700
Indianapolis Car Accident Attorneys 317-881-2700

Children and Family Members

It is very common for parents and guardians to allow teens to operate the family car. Common legal principles that surround loaning the family car to a child or relative include the family purpose doctrine, negligent entrustment, and vicarious liability. The set of laws that apply depend on whether or not the driver of your vehicle is your child or family member.

The Family Purpose Doctrine

If a family member drives your car, whether they were given permission or not, the family purpose doctrine might be relevant in your state. Under United States common law, this doctrine is a statute that holds the owner of a motor vehicle accountable for any damages that results to others when a family member operates their vehicle. This doctrine applies regardless if the owner gave the family member permission or not.

Negligent Entrustment

Negligent entrustment is a legal liability that might come into play when a child operates your vehicle. As a parent or guardian, also called the “entruster”, the law might deem you negligent and responsible for any damages that result to others if you permit your child to operate the family car with the knowledge that they are unlicensed, inexperienced, reckless, inadequate at driving, or unreliable.

Vicarious Liability

In the case that you were not driving your vehicle, and/or present at the time of the accident, there is a possibility that the law could deem you liable for damages in a car accident. This legal principle is mostly applied in cases in which parents or guardians lend their vehicles to their children, or have their children’s vehicles in their name. For instance, if your teenager or child causes a car accident that causes damages to others, you may be held liable for damages.

Company Vehicles and Others Outside of Family

Aside from children and family, it is a common occurrence to allow others to operate a vehicle that you own. This is such the case for employees who drive a company car, or for individuals who loan their cars to friends or co-workers. The types of liability that might apply to these situations are negligent entrustment and vicarious liability.

When you are operating a company vehicle while performing work-related duties, and an accident ensures that results in damages to others, employers are generally liable under law. In such cases, vicarious liability law would typically apply.

If you allow an employee to operate your vehicle, which is not a company vehicle, but rather, your own private vehicle, the principles of negligent entrustment might also be applied if they cause an accident that results in damages to others.

In the case that you allow another person that is not a family member to operate your vehicle, such as a friend or coworker, negligent entrustment is the type of liability that might be applied if an accident that results in damages to others occurs.

Were You Injured in a Car Accident?

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free consultation with a licensed Indianapolis car accident attorney who can determine the best strategies for your case. Not only does our law firm offer free consultations, we never collect lawyer fees unless we prevail for you! Call 317-881-2700 to get started on your financial recovery, today.  We represent injured persons throughout Indiana.

Indianapolis Personal Injury Lawyers 317-881-2700
Indianapolis Personal Injury Lawyers 317-881-2700

How Long Does a Car Accident Lawsuit Take?

After being hurt in a car accident, it is normal to have a lot of questions, especially when it comes to making a claim for compensation. One of the most common inquiries asked by car accident victims has to do with the amount of time it takes to settle a motor vehicle accident claim. This comes as no surprise considering victims need to cover the cost of their damages and losses, like hospital bills and lost wages from work.

If you were injured in a car accident and require assistance with a claim, talk to a seasoned Indianapolis personal injury lawyer who specifies in car accident cases. They will guide you down the road to financial recovery. In the meantime, continue reading to learn what to expect from your pending or potential car accident claim, including how long it might take to recover a settlement.

Car Accident Injury Lawyers 317-881-2700
Car Accident Injury Lawyers 317-881-2700

Car Accident Case Time Table

There are infinite factors that influence how long it takes to settle a car accident claim, making such time tables challenging to predict, as they vary greatly from case to case. While some car accident cases are clear-cut when it comes to economic recovery, others are not, and require more litigation, and thus, more time. You can expect a standard, clear-cut car accident case to take anywhere from 6 months to 1 year, while more complex cases can take double, or event triple that amount of time. In some cases, no settlement is ever reached.

Top Factors That Influence Case Timing:

  • Extent of Injuries
  • Level of Damages Requested
  • Type/Size of Insurance Company
  • Internal Claims Process of Insurance Company
  • Unclear Liability
  • Inadequate Evidence
  • Aptitude of Legal Representation

Talk to a Lawyer Right Away

If you want to learn more about your rights to compensation or making a claim after being injured in a car accident, your best course of action right now would be to consult with a seasoned personal injury lawyer who specializes in car accident claims. They can evaluate your case and provide the proper counsel for your claim. Because of all the factors that come into play in a car accident case, you will be in good hands with

Indianapolis Car Accident Attorneys

The Law Office of Craven, Hoover, and Blazek P.C. are experienced Indianapolis car accident attorneys ready to help car accident victims and clients learn more about their rights following a serious accident. By acting fast and calling our Indianapolis Personal Injury Law Firm, you can avoid encountering delays or problems from waiting too long to file suit. Contact us today at 317-881-2700 to schedule a free initial consultation with a licensed car accident attorney in Indiana.

Indianapolis Personal Injury Lawyers 317-881-2700
Indianapolis Personal Injury Lawyers 317-881-2700

How to Fill Out a Report for a Car Accident

After being involved in a motor vehicle collision, whether minor or serious, both parties are required by law to report the accident, either to the police, their insurance company, the DMV, or a combination of the three. An official report can be made at the scene of the accident with the responding police officers, but it is also common for drivers to file their own motor vehicle accident report with one or more of the above-mentioned parties, especially when people are injured as a result of someone’s negligence or disregard.

Although an official car accident report can be made at the scene of the accident with the responding police officers, it is common for drivers to also file their own report when injuries are sustained in serious accidents. These reports are critical to an accident claim, so in the case that either wish to file a personal injury claim to recover compensation for damages and losses, it is important for both the at-fault and the injured parties to fill out them out correctly. The key is to gather as much detailed information as possible so that you can use clear and precise language to describe the incident in as much detail as possible.

Continue reading to learn some helpful tips for filling out a car accident report, and who you can trust with your car accident personal injury claim.

Car Accident Lawyers 317-881-2700

Car Accident Lawyers 317-881-2700

After Being Involved in a Car Accident:

IF SOMEONE IS HURT, SEEK MEDICAL ATTENTION FIRST.

Once medical personnel and law enforcement arrive and injuries are stabilized, it is safe to move forward with exchanging information and filing a report.

Here’s how to start:

Exchange insurance and drivers’ license information with the other driver. Regardless who is at-fault, both parties need to swap personal information. Write down all the data in their drivers’ license and car insurance cards, including the phone number to their insurance provider. If the other driver does not have insurance, you need to call the police and have them come to the scene. If there are passengers in their vehicle, ask them for their contact information as well in case you need to use them for witness testimony later on. Do this for any bystanders that witnessed the accident as well.

Take down the driver’s vehicle information. Write down the licensing state, license tag number, make, model, year, color, and the VIN (vehicle identification number). Be sure to note whether it is a car, truck, sedan, van, motorcycle, or sports utility vehicle. Next, write down the damage that has occurred to the other driver’s vehicle. Be specific and use as much detail as possible. Note any existing damages that were not a result of the accident as well.

Gather evidence of the scene. Use your camera phone to record the scene of the accident. Take as many pictures as you can of the other people involved, cars, the damage, debris on the road, weather conditions, road conditions, lighting, surrounding traffic signals and signs, traffic lights, and more. Record anything that has to do with the accident using multiple angles. It is important to take pictures of the other driver and their passengers in case they seem fine at the scene, but then try to claim injuries later on. Take pictures of your own injuries, if any, as well. If you do not have a camera, just write everything down in detail. In fact, it is also wise to make out a sketch of the scene, detailing the location and the surroundings.

Take down the numbers of first-responder vehicles and the technicians. Write down names, numbers, badge numbers, and vehicle numbers of the EMT’s, ambulances, and fire trucks. You can also take the squad car and badge number of the responding officers. This information may be pertinent in the process of an injury or insurance claim.

Take notes of what happens after the accident. Keep detailed records of what took place after the accident. This includes how the cars were cleared and transported, how much damage was done to the vehicle, the extent of automotive repairs and costs, as well as, the progress of your injuries and medical needs. Retain all personal notes, medical charts, invoices, and more.

Hurt in a Car Accident?

Personal Injury Law Firm 317-881-2700

Personal Injury Law Firm
317-881-2700

Call The Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 for seasoned car accident injury lawyers in Indianapolis, Indiana. Attorneys Daniel Craven, Ralph Hoover, and Keith Blazek are eager to help you recover the full and fair compensation you deserve after being injured in a car accident. We offer free initial consultations and never collect lawyer fees unless we prevail for you. Call 317-881-2700 to learn your rights after a car accident, today.

The Most Serious Types of Car Accident Injuries

Car Accident Injury Lawyers Indiana 317-881-2700

Car Accident Injury Lawyers Indiana 317-881-2700

Serious car accidents can lead to serious injuries; ones that place victims in the emergency room and even the mortuary. For this reason, driver, passenger, and automotive safety is critically important to protecting lives. When people are involved in traffic collisions, they can sustain a wide range of injuries, from superficial to severe. Superficial injuries generally recover within days with little-to-no medical treatment, such as minor bruises and airbag abrasions.

However, car accidents can result in serious injuries that require immediate emergency medical attention in order to prevent serious consequences and death. The most common types of serious car injuries range from serious to extremely severe, including whiplash, concussions, orthopedic injuries, and more. Continue reading to learn which car accident injuries are the most serious, and most common.

Severe Traffic Collision Injuries

Car Accident Injury Lawyers Indiana 317-881-2700

Car Accident Injury Lawyers Indiana 317-881-2700

The most serious of injuries sustained from car accidents can lead to death if ignored and untreated, while many others can lead to death regardless of all the medical efforts made. If your loved one was recently killed in a car accident as a result of anothers negligence, contact a personal injury lawyer as soon as possible to file a wrongful death claim before the statute of limitations runs out in your state. They can recover compensation to cover funeral expenses, hospital bills, lost wages, loss of companionship, and more.

Serious Car Accident Injuries:

Compound Fractures – When a broken bone breaks through the skin and causes severe bleeding. This injury comes with a high risk of infection since the bone is exposed.

Tissue De-Gloving – When a portion of the skin is removed or torn off from the underlying tissue. This is common in motorcycle accidents.

Amputations – De-gloving injuries and more can lead to amputations of injured or affected extremities. Common amputations include ears, fingers, toes, hands, feet, arms, and legs.

Concussion – When the brain comes into contact with the inside of the skull as a result of a heavy impact or blow to the head. Concussions range from minor to severe. But severe concussions can lead to brain damage, internal bleeding, comas, and even death.

Brain Damage – Closed-head trauma. Brain damage can range in severity, but can cause cognitive impairment, learning disabilities, paralysis, blindness, and more.

Ruptured Organs – When an organ endures a heavy impact that causes it to tear. Rupture organs lead to internal bleeding in most cases. The most common include lungs, kidneys, and spleens.

Internal Bleeding – Internal hemorrhaging is blood loss that causes the accumulation of blood collecting inside the body cavity.

Coma – A state of unconsciousness that lasts more than 6 hours. It mainly occurs as a result of a heavy blow or impact to the head that injures the cerebral cortex or reticular activating system in the brain stem.

Car Accident Injury Lawyer

If you or someone you love was recently involved in a traffic accident and suffered serious injuries, you need to start thinking about your rights. When you are faced with confusing paperwork, expensive hospital bills, and aggressive interrogation from insurance adjusters, you need a personal injury law firm to help provide proficient guidance and legal support. A car accident injury lawyer can be the ones to handle all aspects of your injury claim, and potentially recover the full and fair compensation you deserve after suffering serious injuries from a car accident that was not your fault.

Indianapolis Personal Injury Attorneys

Personal Injury Law Firm Indiana

Personal Injury Law Firm 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 if you need a car accident injury lawyer in Indianapolis, Indiana. Seasoned personal injury lawyers, Daniel Craven, Ralph Hoover, and Keith Blazek are eager to recover the full and fair compensation you deserve. We offer free initial consultations and never collect attorney fees unless we prevail for you. Call 317-881-2700 to schedule an appointment with our Indianapolis personal injury attorneys, today.

Parking Lot Personal Injury Accident Information

Pedestrian Accident Lawyers 317-881-2700

Pedestrian Accident Lawyers 317-881-2700

It is astonishing to learn that nearly 50 percent of all auto accidents happen in parking lots? It is incredible that so many car accidents happen in parking lots; areas where drivers should be using low speeds while looking out for pedestrians and other drivers. On the other hand, it is understandable why several parking lot car accidents occur so often. They are confined spaces in which several variations of driving happen.

Pulling out of parking spots, parking, cruising over speed bumps, turning corners, peering through lanes for available spots, and more are examples of what happens on a daily basis in a commercial or residential parking lot. Pedestrians, shopping carts, speed bumps, handicap spaces, and other drivers are all potential distractions or obstructions in a parking lot.

Parking Lot Accidents

Pedestrians and other drivers are the usual victims of parking lot car accidents. Accidents in parking lots happen for several reasons. For example, cars backing up can bump into people or other parked cars, two cars backing up at the same time can run into each other, blind spots can cause drivers to hit pedestrians, and much more. The possibilities are endless. Although parking lot accidents typically occur at low speeds, injuries can still be severe or even fatal.

If another driver or entity is responsible for an accident resulting in a person’s injury, they can be held accountable for their negligence in a court of law. It is important is obtain fair and full compensation for injuries sustained in these types of accidents; especially if the other driver or property is at fault. Determining who is at fault in a parking lot accident can be complicated and very confusing. Many times, people are unaware that someone or something is responsible for the accident.

It is vital to consult a personal injury lawyer for advice and legal counsel. They are able to quickly determine if you are entitled to compensation for injuries and damages following the parking lot accident. An experienced personal injury auto accident attorney can assess whether or not the other driver or property was negligent.

Car Accident Injury Lawyers

Personal Injury Attorney Indianapolis

Personal Injury Attorneys 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free initial consultation with one of our seasoned car accident injury lawyers in Indianapolis, Indiana. Attorneys Daniel Craven, Ralph Hoover, and Keith Blazek have extensive trial and litigation experience in car accident injury cases. We offer first consultations at no charge, and if we accept your personal injury case, we do not collect lawyer fees unless we recover compensation for you! Call 317-881-2700 to speak with a knowledgeable attendant about your recent parking lot accident in Indianapolis, IN.

Black Ice Traffic Collision: Who’s At Fault?

Car Accident Lawyers 317-881-2700

Car Accident Lawyers 317-881-2700

It seems like Mother Nature held off for as long as she could, but the snow and ice are finally here in Indiana. This means it is time to be on high-alert when driving in winter weather. Ice and snow are hazardous conditions to drive in, and require focus and patience for safe navigation. But sometimes, no matter how safe you are, accidents can’t be avoided. There is only so much a driver can do to protect themselves from causing or being involved in a collision, but in several cases, it’s out of their hands.

Black ice, blizzards, and heavy snow are frequently to blame for motor vehicle accidents. But in the case that an accident was caused by invisible ice or hazardous weather conditions, is the driver still liable for damages sustained to another driver? Continue reading to learn who is at fault in personal injury motor vehicle accident cases caused by winter weather.

You Can’t Blame the Weather

In the eyes of the law, drivers must uphold the responsibility to drive safely under any circumstances. This includes retaining the knowledge that ice and snow puts drivers at higher risk for causing or being involved in a traffic collision. For this reason, if someone causes a motor vehicle accident as a result of black ice, the law still holds them liable for subsequent damages and injuries.

It comes as a surprise to thousands of drivers each year that they are responsible for any traffic accidents in snow and winter weather. A person cannot evade liability for a car accident if it was hazardous conditions that caused them to wreck in the first place. The law expects drivers to know that snow and ice are more dangerous and should choose to not drive or drive more carefully in such conditions.

Car Accident Injury Claims

If you were recently a victim of injury as a result of a negligent car accident, you may be entitled to certain rights and compensation for your damages and losses. It is important to talk to a car accident lawyer right away, before the state’s Statute of Limitations runs out, losing your opportunity to collect remuneration forever.

The Law Office of Craven, Hoover, and Blazek P.C.

Personal Injury Attorney Indianapolis

Personal Injury Attorneys 317-881-2700

Call The Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 if you recently sustained injuries in a motor vehicle accident in Indiana. Seasoned personal injury lawyers, Dan Craven, Ralph Hoover, and Keith Blazek, have extensive trial and litigation experience in car accident injury cases and will work around the clock to recover for you. We offer free initial consultations to discuss your case at no obligation. Call 317-881-2700 to schedule today.

Un-Insured or Under-Insured Car Accidents and Claims

Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

Virtually every state in the country requires drivers to be covered by motorist insurance if they intend to drive a car, truck, or motorcycle legally. Unfortunately, many people fail to comply with insurance laws, or fail to maintain the proper minimum coverage. In many cases, drivers cannot afford car insurance, while others simply neglect the legal responsibility altogether.

Regardless of the reason, uninsured motorists (UM), and even under-insured motorists (UIM), are going against the law. If they wreck, hit, or injure another driver while driving, they can be legally held responsible for damages, hospital bills, medical coverage, and more. Continue reading to learn about your rights if you are hit or involved in a car accident with an uninsured motorist or under-insured drivers on the road.

Uninsured and Under-Insured Motorist Cases

Accidents that involve uninsured or under insured drivers, are commonly referred to as “UM” or “UIM” claims. The acronym “UM” standing for uninsured motorists, and “UIM” standing for under-insured motorists. In any case, it is recommended to check with your current automobile insurance provider to see if you are covered if ever hit by an uninsured or under insured drivers.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

If a person is not covered under their insurance policy, and is struck by another UM or UIM driver, they can be left to deal with medical bills, lost wages, property damages, and more all on their own. This is why it is important to seek professional legal counsel about your rights and how to get the compensation you deserve immediately after a motor accident.

If a car accident is not your fault, and you sustained serious injuries as a result, you may be entitled to compensation by either your insurance company, the opposing insurance company, or the uninsured driver themselves. Talk to a licensed personal injury lawyer about your recent car accident and learn whether or not you have a valid claim against the uninsured motorist or insurance carrier.

Indianapolis Uninsured Motorist Attorneys

Personal Injury Attorney Indianapolis

Personal Injury Attorneys Indianapolis 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 for more information about uninsured motorist accident claims in Indianapolis, Indiana. Attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek, are extensively experienced in uninsured accident law and are happy to answer all your personal injury questions. Schedule a free consultation with a licensed personal injury attorney to assess your eligibility for compensation following an uninsured motorist accident that resulted in serious injury or losses. For reputable and assertive representation for an uninsured or under-insured motorist accident claim in Indianapolis, IN, call Craven, Hoover, and Blazek P.C. at 317-881-2700 today.

Optional Driver Insurance Coverage for Accidents and Injuries

Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

Understanding automotive insurance policies can be quite complex. There are several stipulations, clauses, and hidden agenda in many types of insurance agreements. It is important for you, as a driver, to fully understand your motorist insurance coverage so you can know exactly how you are covered in the case of an accident or injury. You can also consult an Indianapolis personal injury law firm for more information about motor vehicle accidents and injury claims.

Continue reading to learn about liability limitations, and the types of motorist insurance coverage everyone should have for added protection on the road and behind the wheel.

Liability Limitations in Insurance Policies

Liability limitations dictate the amount of money that will be available by the insurance company, to compensate a person in the event that you injure them in a motor vehicle accident. These parameters are usually set once a policy is purchased. These limitations will differ from person to person, depending on the type of policy purchased and a person’s individual and driving records. Liability limitations are meant to protect your personal savings, funds, and assets from being liquidated in order to pay compensation to an injured driver after causing a motor vehicle accident.

Car Accident Lawyers 317-881-2700

Car Accident Lawyers 317-881-2700

It is recommended to purchase higher limits if you have several or significant assets to protect. In Indiana, a driver must have the state minimum liability coverage in order to legally operate a vehicle. This minimum is 25/50/10, meaning $25,000 per person (yourself and your vehicle), $50,000 per accident and all injured parties, and $10,000 for property damages per accident. So most policies offer this as standard coverage in their most basic policies.

However, the state minimum is very low; so it is strongly encouraged to add more coverage to your motorist policy. There should be enough coverage to pay for a person’s vehicle damage, bodily injury, and subsequent financial obligations or losses resulting from their injuries; such as lost wages, rehabilitation costs, medical expenses, hospital bills, and more.

Here are the additional types of motor vehicle accident coverage strongly recommended by the state and insurance companies, to further protect yourself and your assets in the case of an accident resulting in injury:

Un-Insured/Under-Insured Motorist Insurance (UM)

Under-insured and un-insured insurance coverage is vital for anyone who drives on a daily basis. In the case that someone negligently causes an accident, and they do not have sufficient or valid insurance, you could be stuck paying for the damages yourself; unless you have this additional coverage. If an un-insured or under-insured driver hits you and causes you injury, this additional coverage will be available to clean up the mess, financially. If a person with not enough insurance coverage causes you $30,000 in hospital bills and vehicular damages, but their policy only covers $25,000, your UM insurance coverage will cover the rest so that you don’t have to pay out of pocket for your expenses. This is very important insurance coverage to have, for yourself and for your family.

Medical Payments Coverage (Medpay)

Medical payments coverage is critical in the case of a serious motor vehicle accident. Although optional, many drivers opt for this additional coverage in order to cover all medical expenses and hospital bills, regardless of who is at-fault. One key benefit to Medpay is that it will pay for your medical expenses while treatment and care is ongoing. This minimizes a person’s out-of-pocket payment obligations, and eliminates the need to wait for reimbursement. Also, your insurance company does not need reimbursement if you are not made whole through the liability settlement. It maximizes a person’s “net” settlement because insurance companies base their offers on total amount of medical bills, not outstanding balances.

Craven, Hoover, and Blazek P.C.

Personal Injury Lawyers

Personal Injury Lawyers 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 for car accident injury claims in Indianapolis, Indiana. Attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek retain extensive trial and litigation experience in personal injury law. Our personal injury law firm offers free initial consultations and never collects lawyer fees unless we win your settlement. Call 317-881-2700 to schedule your consultation for personal injury claims in Indianapolis, IN today.