Can I File a Personal Injury Claim if I Was Hurt in an Uber Accident?

Posted on August 28, 2017 by admin

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One of the most surprising growing trends these days is sharing rides. Companies like Uber and Lift are becoming increasingly popular for the convenience they offer to the public. Not only do these services divert intoxicated driving, they also help drivers conserve fuel and provide options for those unable to drive their own vehicles. Despite these companies being fairly new, they are not excluded from old struggles; namely, liability.

Although incredibly rare considering the number of ridesharing users and employees, crimes like assault, kidnapping, and even manslaughter have been associated with ridesharing in the past. Because of reports like these, many people are questioning their safety and their rights in the case that an Uber ride goes wrong. Again, these types of crimes are rare in the ridesharing industry. Chances are, the most common incidents encountered while riding in an Uber are motor vehicle accidents.

Uber Accident Claims

If you are injured in a car accident while riding as a customer in an Uber or Lift, you need to learn your rights. Filing a personal injury claim for an Uber accident is essentially the same as all other third-party liability claims. However, they can be more complex since you may be able to file a claim against the company, as well as the driver themselves, or the other driver that caused the accident. For this reason, you will need an experienced personal injury attorney to navigate your claim and protect your right to a full and fair settlement for you damages and losses. These can include hospital bills, medical expenses, lost wages from missed work, and more.

What You Can Expect

In most cases of Uber accident claims, it is the Uber driver, as well as the other driver involved in the accident, who would be responsible for your damages and losses of you were injured in an accident they caused. But what about the driver? If they are injured while driving for Uber, do they have rights? The answer to these questions vary depending on a long list of factors.

Every case is different, and ordinances surrounding these cases vary among jurisdictions. It is, however, possible for an Uber driver to turn around and sue the company, but this would require intensive investigatory work, as well as, accumulating enough evidence to prove their case. Generally, if the accident happened on the clock, the driver is covered by Uber’s insurance; but they would have to file under their own insurance first, and then wait for Uber’s insurance to take over.

What Should You Do?

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Long story short: if you were injured in an Uber accident, whether a driver or passenger, you need to contact a licensed Indianapolis car accident lawyer as soon as possible to learn your rights and the best strategies to recover for your losses. Here at Craven, Hoover, and Blazek P.C., we offer free initial consultations, so you can freely discuss your case with one of our seasoned accident attorneys, and learn whether or not you have a valid claim, without any out-of-pocket obligations. Call 317-881-2700 to schedule your consultation, today.

What is the Difference Between a First and Third Party Claim?

Posted on August 14, 2017 by admin

When you are involved in an accident, particularly a car accident, you have two options for filing a claim if you want to recover compensation for your damages and losses. The option you choose largely depends on who was at fault for the accident, but additional factors will have an influence as well. Continue reading to learn these two options and the difference between them both.

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Insurance Claims

The two types of insurance claim options you face after being involved in a car accident is a first party claim or a third party claim. A first party claim is an insurance claim that you file with your own insurance carrier, under your own policy. A third party claim is an insurance claim that you file with the opposing party’s insurance carrier.

The purpose of filing a claim, whether for injuries or vehicular damages, is to recover the money you need to make up for the financial losses that resulted from your accident. This may include medical expenses, hospital bills, lost wages, and sometimes, even pain and suffering. As mentioned, the type of claim you file after a car accident depends on who was at fault.

Who is At Fault?

If you were at fault for the car accident and subsequent damages that resulted, then you would need to file a first party claim through your own insurance company. If you were not at fault for your accident, then you would file a third party claim with the at-fault party’s insurer.

A common example of a first party insurance claim accident would be if you didn’t stop soon enough at a red light and collided into the back of another person’s car. In this same example, the driver you hit would need to file a third party insurance claim with your insurance carrier.

At Fault Parties

In a car accident, there could be many potential opposing parties, including a vehicle manufacturer, a business, another driver, a pedestrian, or even the city. More than one party can be at fault for a car accident as well, and each party can be liable for different levels of fault. Furthermore, the level of fault in a car accident can sometimes be unclear, in which case, you might have to file a first and third party claim.

This means your car accident personal injury claim, or claims, can get very complex, which is why you require a licensed and experienced Indianapolis car accident attorney to help recover the full and fair compensation you deserve after being injured in a car accident. If the opposing party’s insurance is unwilling to settle fairly, an accident attorney can take your case to trial.

Indianapolis Car Accident Attorneys

Personal Injury Lawyers 317-881-2700

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.

Can I Recover Compensation For My Injuries if an Accident Was My Fault?

Posted on August 7, 2017 by admin

When you are at-fault for an accident, it can be difficult understanding your rights to compensation after suffering serious injuries. Because you are likely liable for the damages, you may owe more than you’re owed by the insurance company. Circumstances differ from case to case, as it all depends on several factors regarding the accident and more. Continue reading to learn what you need to know about recovering compensation for your losses and damages that resulted from your injuries.

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What To Do When You Are The Defendant

Depending on the unique circumstances of the accident and resulting injuries, you may be the defendant against an insurance claim or a personal injury claim. Regardless of which kind of claim you are facing, it is important to know how to conduct yourself in order to minimize the potential for mistakes. Below is a general example of how an at-fault driver of a car accident should respond after causing an accident on the road.

The defendant should…

❗ Leave their vehicle exactly where it is (unless it is creating a safety hazard);
❗ Contact the police immediately to report the accident;
❗ Remain at the scene of the accident until the police arrive;
❗ Cooperate with responding police and EMT personnel;
❗ Exchange current contact and insurance information with all other involved parties;
❗ Take many photos of the damages, injuries, and surroundings;
❗ Accept medical attention, either at the scene or immediately following;
❗ Contact their insurance company to report the accident;
❗ Contact an attorney who can help protect them as they navigate their claim;
❗ Not discard or attempt to conceal evidence related to the accident;
❗ Not discuss the accident with anyone other than their attorney;
❗ Not agree to a settlement until they have spoken with their attorney;

Indianapolis Personal Injury Lawyers Who Can Help

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Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free consultation with a licensed Indianapolis personal injury 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.

Helpful Information About Hit and Run Accident Claims

Posted on July 25, 2017 by admin

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Pedestrian and motor vehicle hit and run accidents are common occurrences all across the country. It is also common for negligent drivers to leave the scene of the accident without leaving their personal information behind, rendering them anonymous and unidentified, or so they think. This can make hit and run accident victims feel helpless and frustrated because it is just added stress on top of the time it takes to recover physically, mentally, and emotionally.

Dealing with recovery, investigations, legal issues, and all the other aspects of such accidents can be quite overwhelming for an injured victim. Fortunately, injured victims of wrongful accidents are entitled to certain legal compensation for their damages and losses. When it comes to being a pedestrian or car accident victim, it is much easier to manage a legal situation when you know what to do and fully understand the process. Continue reading to learn some valuable tips for anyone injured or involved in a hit and run accident.

How Can I Protect Myself and My Family in a Hit and Run Accident?

❶ Get Proper Automotive Coverage

As a preventative maintenance, it is highly recommended to get uninsured automotive coverage for potential cases of hit and run car accidents where guilty drivers don’t have enough insurance to cover all damages. Many people purchase liability-only car insurance policies, but in the case of a hit and run accident where the guilty driver is never identified, these policy holders can be out-of-luck when it comes to getting their automotive repair costs and medical costs covered. Full coverage insurance policies are also highly recommended. As the popular saying suggests, “it’s better to be safe than sorry”.

❷ Medical Attention

First and foremost, if involved in such an accident, be sure to get medical care first if you feel you are seriously injured. Call 911 or EMT’s for emergency medical care. If you are not certain about the extent of your injuries, and you don’t need ER services, you can wait until medical technicians arrive to inspect and treat you on-site, or you can have a loved one take you to the hospital once everything else is handled at the scene. Sometimes injuries can stay dormant and not appear for days or weeks following an accident. This is why it is important to have a doctor look at you even if you feel fine.

❸ File a Police Report

Apart from being fully covered so that you are protected from potential hit and run accidents where the negligent party is never brought forth, other tips are strongly encouraged. For example, call the police as soon as a hit and run incident occurs. File a report with the police giving them all the detail you have regarding the driver and car that hit you. Any information is helpful; such as the make or model of the vehicle, driver descriptions, license plate numbers, and car color. This information will help officers locate the negligent driver and hold them responsible for their actions. Be sure to not give the police officer any details about your actions involved in the accident, only discuss what the other driver did and how you are injured. Save this job for your attorney.

❹ Hire a Licensed and Experienced Personal Injury Lawyer

Once you are finished with the police and in stable condition, contact a personal injury law firm in your city as soon as you are physically able to. If you or your loved one require an extended hospital stay, have a friend or family member call on your behalf. The important thing is to contact them as soon as possible to get started recovering compensation for your damages. Victims that were injured in an automotive or pedestrian hit and run accident, whether the negligent party was anonymous or identified, can be eligible for legal compensation or remuneration. They simply need a personal injury attorney to assist them in securing the financial recompense in which they are lawfully entitled.

Hit and Run Injury Lawyers

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Call Craven, Hoover, and Blazek P.C. at 317-881-2700 for hit and run accident claims in Indianapolis, Indiana. Our seasoned personal injury lawyers are eager to help you recover the full and fair compensation you deserve after being wrongfully injured in a car accident. We offer free initial consultations and never collect lawyer fees unless we recover for you. Call 317-881-2700 to get started with your Indianapolis car accident injury claim, today.

Are You Responsible if Another Person Drives Your Car and Causes an Accident?

Posted on February 1, 2017 by admin

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The primary dispute after a car collision is determining who was at fault, namely, who is liable for the damages and losses suffered by those involved in the accident. In most cases, the person who was reckless or negligent is the at-fault party, however, cases can be more complicated than that. Sometimes, a manufacturer defect in a vehicle, stoplight, or some other commodity can be to blame. But regardless, there is always someone, either person or entity, blameworthiness.

If it is not an entity or company of some sort, it is usually pegged on the negligent driver. But what if someone else was driving your car? Would you be responsible for any damages they inflict on another if they were to be involved in a car accident? Continue reading to learn the various scenarios of liability.

Vicarious Liability

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In the case that another person drives your vehicle and causes an accident, you could be held responsible for the financial damages and losses incurred to the victims involved. You could be sued for negligence even if you weren’t in the vehicle at all. To better understand this duty of care, you must understand vicarious liability.

Vicarious liability is a form of imputed negligence that results when two parties have a relationship, such as parent-child, employer-employee, teacher-student, and so forth. In such relationships, one person’s actions can actually be another person’s legal responsibility. In the case that you loan your vehicle to someone within such a relationship, you could face consequences for their actions under Vicarious Liability Law.

Kids Driving Parents Car

If you are a parent that allows your child to drive your vehicle, keep in mind that you are the perfect candidate for vicarious liability. In many states, there is a law called “Negligent Entrustment”, in which the “entrusters” (the parents) entrusts their minor to operate their vehicle knowing they are in some way incompetent (i.e. unlicensed, underage, reckless, inexperienced, etc.). There is another law called the Family Purpose Doctrine, which holds the parents liable for any damages caused to another as a result of their child driving their vehicle, regardless if they were given permission or not. However, these law vary from state to state.

Negligent entrustment law also applies to other people outside of family. If you knowingly allow another person to operate your vehicle who is incompetent or unfit in some way, you will be responsible for any accidents they cause.

Employees and Employers

Under vicarious liability law, employers are liable for any negligent driving the takes place by an employee while performing work-related duties. For instance, if a pizza delivery driver is delivering a pizza on the clock, but runs a red light and collides into a van full of people, the employer is responsible for all damages and losses sustained by the victims of the accident.

When it comes to car accidents, liability, and compensation, it is important to discuss these concerns with an experienced personal injury attorney. They can help you determine what rights you have to compensation after being negligently injured in an accident that was no fault of your own.

Indianapolis Car Accident Attorneys

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Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free initial consultation with one of our seasoned Indianapolis car accident attorneys, today. Personal injury litigators, Daniel Craven, Ralph Hoover, and Keith Blazek, are ready to help you recover the full and fair compensation you deserve. Call 317-881-2700 to request an appointment to discuss your car accident injury claim in Indianapolis, Indiana.

The 5 Rules of Driving Safety for Teens

Posted on December 12, 2016 by admin

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With so many new distractions made available to drivers these days, such as high-tech navigation systems and touch phones, you can never review safe driving tips with your teenagers enough. Not only can a car accident pose serious physical injuries and fatalities, they can also be devastating financially and emotionally as well. Even a simple tap on the fender can throw off your entire day and interrupt your schedule.

For these reasons and more, it is important to remind your teens how to avoid serious accidents and drive safe at all times. One quick conversation can have the power to prevent potential accidents and/or injuries in the future. Continue reading for a quick review of the top five rules of driving safety for adolescent drivers. And then discuss what you’ve learned over dinner with your loved ones!

Rule #5 – Don’t Speed!

Speeding is one of the number one causes of fatal car accidents in the country. Tell your teenagers it is better to be late than dead or seriously injured. Remind your teenagers that speeding will only get them to their final destination a few minutes sooner, making it unnecessary and unreasonable. You simply do not have full control over your 5 ton vehicle when you are speeding. Remind your teenagers that the speed limit is set for their safety and for the safety of others. It is important to keep the flow of traffic, but it is also important to obey the speed limit reasonably.

Rule #4 – Never Drive Aggressively or Tailgate

It is important for teens to understand that they cannot act recklessly while driving. Tailgating and following too closely behind other vehicles is unsafe. That is because drivers do not have enough time to stop if the car in front of them suddenly breaks. It also obstructs your view of being able to see what’s ahead of the car in front of you. Tailgating is the number one cause of fender bender’s in the country. Remind your teenage drivers to always signal and to always drive courteously.

Rule #3 – Steer Clear of Aggressive Drivers

It is important to educate your teenagers about the dangers of other drivers. As mentioned, they need to know that it’s not always themselves they have to worry about, it’s other drivers on the road as well. This is where defensive driving comes into play again. Teach them to steer clear and avoid drivers that appear to be aggressive or intoxicated. Switch lanes, make a turn, or pull over and park to keep it as much distance between them as possible. If they come across the driver who is honking repeatedly and harassing them while on the road, instruct them to pull over in cases like this and to call the police if they feel further threatened.

Rule #2 – Remain Focused and Alert

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As mentioned, there are lots of distractions made available to teenagers these days, like cell phones and stereos. But for teens, it is so easy to be distracted, and many believe they are great at multitasking. But the reality is that multitasking while driving is a serious hazard that often ends in accidents and/or injuries. Remind your teens to always be vigilant while behind the wheel of the car. Remind them that they may be a wonderful driver, but they can’t always trust everybody else on the road.

Teach them to always stay alert, and be on the lookout for aggressive or intoxicated drivers, road obstructions, traffic signs, pedestrians, and more. Defensive driving is a large part of safe driving. Here are some great tips to be a focused driver: Only use your cell phone at stop lights, pull over and park to use your phone, install a hands-free system.

The #1 Rule – NEVER DRIVE UNDER THE INFLUENCE

Teenagers are bound to face tough decisions among their peers, namely in terms of substance use like alcohol or drugs. It is important to set boundaries early on with your kids, teaching them about the dangers of alcohol and drugs so they understand the devastating consequences of using them. When it comes time for your teens to get the driver’s license, it is important to review these facts and to instill in them how critical it is to always drive sober no matter what. Not only can you harm yourself while driving under the influence, you could potentially harm or kill another person, child, or infant. No one has the right to operate a vehicle while intoxicated. This is an important message to send to not only your children, but to everyone else as well.

If you or someone you love was seriously injured in a recent car accident, contact an Indianapolis personal injury lawyer right away to learn your rights to compensation.

Indianapolis Personal Injury Attorneys

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Call the law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 when you need an experienced car accident lawyer in Indianapolis, Indiana. Seasoned personal injury attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek, have extensive litigation and trial experience. They will work around the clock to ensure you recover the full and fair compensation you deserve after suffering injuries in a serious accident. We offer free initial consultations and work on a contingency-fee basis.

The Most Serious Types of Car Accident Injuries

Posted on October 3, 2016 by admin

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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

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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

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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.

Does an Injured Victim Need a Witness to Prove a Car Accident Case?

Posted on June 27, 2016 by admin

When a person is involved in a car accident, they must provide information and evidence to their insurance company that outlines the events leading up to and surrounding the accident in order to get coverage. In the case that an insurance company will not give the proper coverage needed for damages, an injured victim may end up filing a lawsuit. And to win their case, they would need an experienced and knowledgeable personal injury lawyer, but they wouldn’t necessarily need a witness. Witnesses are great assets to a case, but they are not the only method of proving the validity of a person’s injuries. Whether the matter is being managed administratively through an insurance carrier, or legally in a court of law, there are other ways to prove a case without witness testimony.

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No Witness Testimony

When an injured person does not have a witness, it is wise for them to take pictures and videos at the scene of the accident to document visual proof of the damages and surrounding environment. This includes anything that was related to the accident, including vehicular damages, skid marks, shattered glass, road obstructions, street lights, and more. Of course, this is difficult to do for someone that is seriously injured or unconscious. Under these circumstances, if a victim is immobilized because of their injuries, it is a good idea to record themselves, describing their injuries and what’s happening at the scene of the accident. Injured victims can also ask a police officer or EMT to take pictures for them if they are too injured to do it themselves.

Having a Witness

If a victim does have a credible witness, it will be easier to prove the facts surrounding their accident and injuries. Often times, a person will not even realize there are witnesses until they ask. It is common for crowds of people to gather when an accident takes place, so a victim can ask these people for their testimony or camera footage as well. It is important for them to record their names and contact information for future questioning.

Hire a Car Accident Lawyer

If you were recently injured in a car accident, and you don’t have any witnesses or camera footage, you may still have a chance to win your case. Hiring a seasoned car accident injury lawyer is the first step to recovering the full and fair compensation you deserve after being seriously injured in a car accident.

Craven, Hoover, and Blazek P.C.

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Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free initial consultation with an experienced car accident injury lawyer 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 wrongfully injured in an auto accident. We offer free initial consultations and never collect lawyer fees unless we win your case. Call 317-881-2700 to get started with your Indianapolis car accident injury claim, today.

Safe Driving Tips for Teenagers

Posted on June 2, 2016 by admin

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Drivers of all ages need to have knowledge of how to operate a vehicle safely. But when it comes to teenagers, it is important to instill the proper driving and traffic education while they are just starting out, so they will develop safe driving habits at a young age and use them for the rest of their driving careers. If you are parent or guardian to a licensed adolescent, be sure to educate them on the most important safe driving tips and keep them better protected from harm.

Continue reading to learn 5 safe driving tips that are imperative for teens to learn and remember.

Stay Alert

As a teen, it is so easy to get distracted no matter what you are doing. Unfortunately, driving is no different. Especially with the use of handheld devices, like cell phones and tablets, more and more people are leaning their attention away from the road when they shouldn’t be. For this reason, it is most important to always remain alert when you are behind the wheel of a vehicle. Place your cell phone, GPS system, makeup, mirror, and all other distractions aside while your car is in motion. This is not only important to prevent harming yourself, but also other drivers and pedestrians.

No Speeding

Of course kids want to go fast, but this is not okay when behind the wheel of a motor vehicle. It is important to teach your kids the importance of speed limits. A car that is moving too fast is more difficult to control, and will over-react to the smallest change in motion. Flipping, swerving, spin-outs, and more are all possible consequences of driving too fast and then trying to stop or change motion. Speeding is also a common reason for motor vehicle fatalities. Not only is speeding dangerous in general, it is even more hazardous on narrow roads or in rain, snow, ice, and at night.

Keep a Safe Distance

Kids are not only interested in going fast, they also want to get where they are going quickly. Rushing and speeding are different, and it is important to discuss this with your teen. Of course you should never speed, but you should never tailgate, drive to close, or roll through stops and turn-abouts either. Rushing like this will only get you to your destination a minute sooner, which is not worth the risk of causing an accident, or being ticketed by law enforcement.

Avoid Aggressive Drivers

Teenagers might not always recognize the danger in some situations, and aggressive drivers are one example. Explain to your teens that it is important to avoid aggressive drivers at all costs. This means vehicles that are swerving, honking, or harassing, as well as, vehicles that are driving too fast, attempting to illegally pass, or instigating a race. These are all dangerous scenarios that can cause a very serious car accident.

Avoid Intoxicated Driving

There is no excuse for driving under the influence. Not only can it jeopardize your life, it can put other lives in danger as well. Talk to your teen about driving under the influence of drugs, alcohol and prescription medications.
If you or someone you love has been injured in a car accident, contact a car accident lawyer right away. You could be entitled to compensation for your damages and losses.

Craven, Hoover, and Blazek P.C.

Personal Injury Attorneys 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to file a car accident injury claim in Indianapolis, IN today. Attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek are dedicated and determined to obtain the full and fair amount of compensation you deserve as an injured victim in a negligent accident. We offer free initial consultations, 24 hour phone services, and never charge attorney fees and less we prevail for you. Call 317-881-2700 to schedule a consultation with a car accident lawyer in Indianapolis, IN today.

Do I Need Personal Injury Protection Insurance?

Posted on April 26, 2016 by admin

The reality of life is that humans are prone to making mistakes, which means accidents are bound to happen. For this reason, it is important to have plans in place that provide yourself and your family with a certain level of protection. One of the most common methods of protection in our country is insurance. Insurance policies exist for homes, vehicles, businesses, and of course, people. Men, women, and children commonly have insurance coverage for medical care, dental care, life insurance, and more. Another type of insurance that exists for an individual is called personal injury protection, or PIP. However, this type of coverage is not necessary for everyone. It depends on a variety of factors. Continue reading to learn more about PIP and whether or not you should be considering this is a type of insurance coverage.

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PIP

Personal injury protection insurance is intended to provide coverage for you or your passengers’ hospital bills and medical expenses that result from a serious accident or injury. These policies are optional in most cases, however, there are some states that make it mandatory. If your state requires this type of personal insurance coverage, then it is the law to have it. States that require PIP are referred to as “no fault” states. This means that when an accident happens, each person’s insurance company pays for their own damages and losses regardless of who is at-fault for the accident. PIP can come with medical, disability, and death benefits, but coverage and limits vary from state to state.

If you live in a state that does not require personal injury protection, you should check with your primary insurance provider before purchasing a plan. Your current medical policy may already provide coverage for damages and losses incurred in an accident. However, if your current medical coverage is not adequate, your provide may suggest adding additional medical coverage to your plan in the case that you or your passengers are ever seriously injured in an accident. It is important for individuals to understand that PIP is not a replacement for medical insurance.

If you or someone you love was recently injured in a car accident, consult with a personal injury lawyer as soon as possible. They have the knowledge and resources necessary to professionally navigate your case and recover the full and fair compensation you deserve after suffering serious injuries from a car accident.

Indianapolis Car Accident Lawyers

Personal Injury Attorneys 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 if you are looking for experienced Indianapolis car accident lawyers you can trust. Seasoned attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek are eager to get you the money you deserve after a car accident in Indianapolis. We offer free initial consultations and never collect lawyer fees unless we win your case. Call our office today at 317-881-2700 to schedule an appointment with a licensed personal injury attorney in Indianapolis, IN.