Category Archives: Car Accident Lawsuits

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

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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.

Indianapolis Accident Lawyers 317-881-2700

Indianapolis Accident Lawyers 317-881-2700

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.

Craven Hoover Blazek Personal Injury Law

Craven Hoover Blazek Personal Injury Law 317-881-2700

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

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Car Accident Lawyers 317-881-2700

Car Accident Lawyers 317-881-2700

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 Attorney Indianapolis

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?

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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.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

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 Attorney Indianapolis

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.

Parking Lot Personal Injury Accident Information

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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.

Advice for Anyone Involved in a Massive Traffic Pile Up

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Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

When two drivers are involved in a minor traffic collision, such as a fender-bender, it is basically cut-and-dry on who’s at fault for the accident. But what about major traffic collisions that involve numerous parties? This is the case for traffic accident pile ups and victims. It can be quite complex and confusing deciding who is at fault in a massive pile up, and how to get properly compensated for losses and damages that result from such accidents.

If you or anyone you love was recently involved and injured in a multiple vehicle collision, it is strongly suggested to get in contact with an experienced car accident injury lawyer for professional guidance. Continue reading to learn some basic advice for car accident pile up collisions, and what you should do if ever involved in one.

At the Scene

As soon as you are involved in a multiple vehicle traffic accident, the first thing to do is to remain calm. Of course, this is easier “said than done”, however, trying to remain calm will help you make better decisions on the spot, and protect you and your passengers from further harm. If you are capable of moving, check for injuries to you and any passengers, and if necessary, move your vehicle out of the way, or leave the vehicle if it cannot be moved. Find a safe spot to wait for authorities to arrive for assistance.

Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

If you or any member of your party is injured, contact emergency medical technicians right away. Receive medical attention on the spot, and if needed, be transported to the nearest hospital for additional medical treatment. If you and your party do not require medical care, still remain at the scene to cooperate with responding law enforcement. It is important to have the accident officially on record with police for insurance and injury claim purposes.

When speaking with law enforcement, it is important to not say too much since your statements are being recorded. Recorded statements can be used against you during the claims process. Instead, be polite but brief, and only give facts about your observations and experiences. Do not give information about your opinions or what you “think” might have happened.

Talking to a Lawyer

If you are injured during the pile up, it is vital to discuss your case with an experienced personal injury attorney to determine your eligibility for compensation. But even if you and your lawyer intend to pursue a claim, for the time being it is easier to stick with your own insurance carriers to cover medical care and property damages. If you are injured as a result of another driver’s negligence, you have the right to recover funds for your subsequent damages and losses. A licensed accident lawyer can facilitate this process for you, safely and securely. An injury lawyer will look at multiple facets of the accident to develop your case and pursue a full and fair recovery, including what started the accident, who were the responsible parties, who you collided into as a result, and who collided into your vehicle.

During massive traffic collisions like these, it is expected for law enforcement to be distracted by the primary priority of tending to injured people and preventing further injuries from occurring. Because of this, they are not likely going to investigate any deeper into your case. For this reason, it is wise to take it upon yourself to gather any physical evidence you can, if you are well enough to, for future claims. This means taking photos of license plates, the vehicle in front and behind you, all the physical damages to your vehicle, and any injuries to yourself and your party. Ask the other drivers involved for contact information in case you need witness statements or other information.

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 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 speak with a friendly office attendant about filing personal injury car accident claims in Indianapolis, IN today.

Black Ice Traffic Collision: Who’s At Fault?

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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.

Uninsured or Underinsured Car Accidents and Claims

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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.

Call 317-881-2700 When You Need a Local Car Accident Lawyer in Indianapolis
Call 317-881-2700 When You Need a Local Car Accident Lawyer in Indianapolis

Uninsured and Underinsured 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.

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

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.

Suing the Government for Personal Injury Compensation

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

There are certain rules that must be followed if you wish to file a personal injury claim against a person, company, organization, or other entity. But as for suing a governmental institution or organization for a personal injury, there are a completely separate set of meticulous guidelines and agendas. It is vitally important to hire an experienced attorney for personal injury claims against a government-operated establishment or organization.

They are the only professionals capable of protecting your rights and securing your future. The procedures and legal obligations involved in such governmental injury cases are very complex and demanding. A licensed accident attorney that concentrates on the type of injury you suffered is your best option for recovering full and fair compensation for your damages and losses. Continue reading to learn more about pursuing a lawsuit against governmental entities for personal injury they are responsible for, and who you can trust for accurate and proficient legal advice regarding your claim.

Governmental Organizations and Establishments

An injury can occur at the fault of several types of government establishments, services, and entities. Examples include government-owned buildings, city buses and trains, city subways, government officialdom’s like the post office, park, or library, and much more. Injury claims can be filed against the state, city, county, public agencies, public divisions, and federal governments. To have a valid claim against any of these parties, one must prove that their injuries and subsequent damages we caused, or partially caused, by a government entity or employ while performing their official duties. To do this, a special approach is necessary.

Suing the Government

The government has a different set of rules that decrees who can sue them and what they can be sued for. This is just another reason why hiring a licensed Indianapolis personal injury lawyer is so vital to your case. Your state has a very specific and strict set of guidelines that must be stringently followed in order to present a claim against any government entity. For example, one must formally file a written claim against the specific government employ or entity with in 30 to 60 days (or more depending on your state) of the accident. If all forms and files are not implemented properly and on time, a victim can lose their opportunity to recover compensation for good.

Valid Personal Injury Cases

One clear cut example of a valid claim against a governmental organization would be a city bus accident. If a person is injured while riding on a city bus, for reasons of negligence on the government’s behalf (i.e. intoxicated bus driver, reckless driving, bus defects, etc.), they are likely to have a strong and valid case against the city or county.

Craven, Hoover, and Blazek P.C.

Personal Injury Attorney Indianapolis
Personal Injury Attorney Indianapolis 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to speak with a licensed personal injury lawyer about your recent accident in Indianapolis, Indiana. Attorneys Daniel Craven, Ralph Hoover, and Keith Blazek have extensive trial and litigation experience practicing personal injury law. We have the drive, determination, and skill necessary to recover the full and fair compensation you deserve after sustaining a wrongful injury. Call 317-881-2700 to schedule a free initial consultation and have your case evaluated by a knowledgeable accident attorney in Indianapolis, today.

Who is Legally Responsible for Damages Caused by an Under-Aged Drivers?

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Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

The legal driving age is set for a reason. And there are certain qualifications that must be met before anyone, at any age, is offered a drivers’ license. Without an active drivers’ license, a person is not legally allowed to operate a vehicle under any circumstances. Now the age at which a person can legally apply and acquire a drivers’ license differs state to state. In Indiana, a teenager can legally begin drivers’ education courses and receive a probationary license at the age of 16 or older. A probationary license prohibits a person from driving alone. They must always have a licensed driver with them at all times while operating a vehicle. This type of license is not intended to let a person drive legally, without supervision of an actual licensed driver.

Once a person reaches the age of 17, they are eligible to take the state mandatory driving tests, written and field, and receive their drivers’ licensed if they pass both exams. No one under these ages, or without a valid license, can legally operate a vehicle. So what happens if an under-aged minor decides to take a car for a joy-ride, and then causes an accident that renders another person injured or worse? Continue reading to find out.

Under-Age and Un-Insured Motorist Accidents

When a minor that is under the legal driving age and without proper licensing causes a car accident that results in another person’s injury or death, it can be alarming to learn who is actually responsible for the injured party’s’ damages. The answer is the parents or legal guardians. An under-aged minor without a drivers’ license doesn’t have insurance, and it is usually the insurance company that pays out a settlement in the case of a car accident. The parents are the ones with liability insurance for their children, or at least they should, and these are ones who will get the brunt of the liability. Many insurance companies, however, may not pay for such an incident since the driver was neither legal nor of-age, which means the parents will have to personally pay remuneration for whoever was injured as a result of their minor’s driving escapade.

It is best to consult a licensed car accident lawyer in Indianapolis for accurate legal counsel and information pertaining to your personal case. They retain the proper resources, experience, and knowledge to answer all of your personal injury and liability insurance questions, any time.

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 professional legal advice and counsel regarding car accident injury lawsuits in Indianapolis, Indiana. Attorney, Daniel Craven, is available to answer your personal injury questions today! We offer free initial consultations and never collect lawyer fees unless we prevail for you! Call 317-881-2700 and schedule an appointment with one of our licensed car accident lawyers in Indianapolis, IN today.

Optional Driver Insurance Coverage for Accidents and Injuries

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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.