When a person is involved in an auto accident caused by an at-fault driver, they are entitled to make an insurance claim and receive a settlement. In many cases, an insurance settlement is often the most reasonable choice, unless the offer is too low. An attorney will try to settle out of court for a client, but if a fair agreement cannot be made with the defendant’s insurance company, then the case is usually taken to court and presented to a judge or jury for a judgment. There are several options for pursing a motor vehicle accident claim, and even more to know about them all.

Continue reading to learn the difference between settling an auto accident claim in and out of court, as well as, what do to as an injured victim of a recent  car accident in Indiana.

Car Insurance Settlement Outcomes

Just like all other cases, insurance claim settlements vary in outcome. If you sustained only minor injuries, and only required a few doctor visits and check-ups, then obviously, you case would be valued by and resolved for less than if you sustained moderate or major damages. Damages include hospital bills, medical expenses, medications, lost wages, pain and suffering, property damage and possibly other damages.

With regard to property damages, most insurance companies will pay to cover the repairs initially because the insurance company is attempting to keep you happy long enough so that you do not obtain an attorney.  If you do not obtain an attorney quickly however, evidence vital to the case can be lost forever so it is vital to contact an attorney immediately after you obtain your first medical care.  

The insurance company may even advise you that they are “accepting responsibility” for the their insured causing the collision. While the insurance company may say this to you, in practice, this is usually not the case.  In Indiana, the fact that a defendant driver has insurance is usually not admissible in court and anything an insurance company employee told you is also not admissible.  Some judges in Indiana routinely keep out even the mere mention of the fact that a driver who caused a collision has insurance.

Insurance companies in clear cut cases of liability usually want to settle as soon as possible, but quick settlements can be a mistake. This is because once a person signs and accepts the offer and releases the defendant from further liability, the case is immediately closed and cannot be brought back up ever again. If more injuries are discovered after settlement, which can occur and is called “delayed onset” or other damages appear after the settlement has closed, the defendant and their insurance company will no longer bear any responsibility. This is why it is important to hire a licensed Indiana car accident attorney to represent you.

Out-of-Court Settlements

In order to receive the compensation that will fully and fairly cover all related expenses, pain and suffering, medical and property damage, you should take your claim to a lawyer so they can obtain the necessary evidence and conduct a proper investigation to present your case to the at-fault driver’s insurance company or other opposing party.  

Contact a licensed personal injury lawyer who specializes in car accident injury claims if you were recently injured in a car accident that was not your fault. A seasoned car accident attorney has the proper knowledge, resources, and experience needed to recover a full and fair settlement you and your family deserves.

Trusted Legal Advice for Your Indiana Car Accident Claim

Call The Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 for trusted car accident personal injury representation in Indianapolis, Indiana and throughout the State of Indiana. Our seasoned car accident attorneys work hard to ensure our clients’ rights to full and fair compensation. We offer free initial consultations to review your case with you; and we never collect attorney fees unless we prevail for you!