Tag Archives: file a car accident injury claim

Winter Driving Tips for Safe Holiday Traveling

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Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

Winter weather can range in severity, from minor snow flurries to relentless ice storms, and more. No matter which end of the “severity spectrum” winter weather lands on, it can all be hazardous to us drivers if we are not careful. Before the big winter storms hit our communities this season, it is important to review some life-saving driving tips, especially for new or adolescent drivers. Continue reading to learn how to navigate safely on the road in poor weather conditions, and how to drive safer in snow, rain, harsh winds, and ice.

Safe Winter Driving

In addition to learning how to operate a vehicle safely in winter weather, it is important to also be familiar with safety rules for winter roadside emergencies. Many motor vehicle and pedestrian accidents occur when cars are pulled over on the side of the road for emergency repairs or breakdowns. In harsh weather, it can be difficult seeing people or cars on the side of the road until it’s too late. Roadside emergencies are all too common, so knowing how to handle these situations safely and responsibly can mean the difference between life and death. Here are important and effective tips for safe winter driving that can prevent accidents and injuries to drivers and pedestrians alike:

1. Always Wear Your Seat Belt
2. Allow Vehicles to Warm Up in an Open Area for At Least 10 Minutes
3. Reduce Speed in Adverse Weather (i.e. rain, snow, ice, winds, fog, etc.)
4. Remove All Ice and Snow From Windows and Windshields
5. Accelerate and Decelerate Slowly
6. Look and Steer in the Direction You Intend to Go
7. Use Lower Gears in Heavy Snow Fall
8. Keep 3 Times the Space Behind Other Vehicles
9. Apply Brakes Earlier and Gently to Prevent Loss of Traction
10. Use Parking Brake on Inclines
11. Never Stop Mid-Hill or Incline
12. Be Sure the Muffler is Not Clogged with Ice or Snow
13. Turn On Headlights for Daytime Driving
14. Remember that Bridges Freeze Quicker than Roadways
15. Never Drive When Fatigued
16. Be Sure Vehicle Has Ample Fuel to Avoid Frozen Gas Lines
17. Be Sure Vehicle Has All Necessary Fluids
18. Be Sure Tires are Fully Inflated
19. Do Not Use Cruise Control
20. Keep a Mobile Phone and Charger in Vehicle
21. Keep an Emergency Auto Kit in Car
22. Always Check Weather Reports Before Long-Distance Trips
23. Never Attempt to Walk in Severe Snow Storms or Weather
24. Always Remain in Vehicle Until Roadside Rescue Technicians Arrive
25. Do Not Over-Exert Yourself Attempting to Dig or Push Out of Snow
26. Turn Flashers On if Stuck or Pulled Over
27. Tie Something Brightly Colored to the Antenna to Signal Distress if Stuck in Snow
28. Contact a Roadside Assistance Service if Stuck in Snow
29. Just Stay Home If Possible!

Roadside and roadway accidents are bound to happen in poor winter weather conditions. If you or a loved one is injured by a negligent driver this winter, contact a personal injury lawyer to learn your rights. You may be legally entitled to compensation for your damages and losses.

Craven, Hoover, and Blazek P.C.

Personal Injury Attorney Indianapolis

Personal Injury Attorneys Indianapolis 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to file a car accident injury claim in Indianapolis, Indiana. Seasoned personal injury lawyers, Daniel Craven, Ralph Hoover, and Keith Blazek, are eager to help injured victims recover full and fair compensation following a serious car accident. Our law firm offers free initial consultations and will not collect lawyer fees unless we win your settlement. Call 317-881-2700 and speak with an Indianapolis car accident attorney about your rights, today.

Indiana is a Tort State in Terms of Auto Accidents and Insurance Coverages

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Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

Many states are “no-fault” states, meaning drivers that are involved in auto accidents use their own insurance coverage to pay for their damages and losses, no matter who is at-fault for the collision. But Indiana is NOT one of those states. Hoosiers live in a “fault” state, or tort-system state, meaning someone has to be found “at-fault” for the accident. In fact, Indiana uses comparative fault law to determine exactly who is at fault for an accident, and to what degree.

Continue reading to learn more about Indiana’s tort system in regards to auto accidents and insurance policies.

Indiana’s Tort System

In Indiana, they use a tort system that determines who is at fault for a motor vehicle accident. And when a person is assigned fault for an auto accident, it is their insurance company that pays for their damages and the damages of the injured parties, up to their particular policy limits. There are state limits to the amount of insurance a driver must obtain to legally operate a vehicle. In Indiana, the state minimum for auto insurance is 25/50/10. Below is a chart to understand what this numeric value means.

$25,000 Limit for Bodily Injury Liability (per injured person)

$50,000 Limit for Bodily Injury Liability (per accident)

$10,000 Limit for Property Damage Coverage

These values are the state minimum for legal driving in Indiana. If a driver does not have this coverage they are operating their vehicle illegally, and if caught, can face state fines, property revocations, and possible misdemeanor charges.

Comparative Fault

Car Accident Lawyers 317-881-2700

Car Accident Lawyers 317-881-2700

Indiana handles automobile accident cases in agreement with the Comparative Fault Act. This means fault is allocated among all involved parties. Parties include the plaintiff (injured driver), the defendant (the accused at-fault driver), and possible “non-party” entities. A non-party entity is a person or company that could be assigned a portion of fault for the accident, but for strategic reasons, was not sued by the plaintiff.

In the case of a motor vehicle accident lawsuit, all parties are identified and then assigned fault. So long as the plaintiff is assigned 50% or less of the fault, they can collect remuneration for their damages. If they are found to be more than 50% at fault, they get nothing. For example: A person is assigned 25% fault, while the defendant is found to be at 75% fault. If the courts award the plaintiff $100,000 for their damages, the plaintiff will only take 75% of that amount since they were apportioned 25% of the fault for the accident. Had the plaintiff been apportioned 51% or more of the fault, they would be compensated nothing.

Additional Insurance Coverage

In the no-fault states, drivers are required to have PIP coverage or MedPay coverage; insurance policies that cover the medical expenses of a driver and their passengers injured in an auto accident. Since Indiana is a tort state, so drivers are not required to purchase this type of additional insurance coverage. However, they do have the option and they come highly recommended. Indiana drivers can purchase PIP (personal injury protection) coverage or medical payments coverage (MedPay) if they choose. Hoosiers can also purchase a personal umbrella policy (PUP) that pays for any damages outside of their auto or homeowners’ policies. Be sure to check back next week for an in-depth discussion about PIP and PUP insurance.

Indianapolis Auto Accident Attorneys

Personal Injury Lawyers Indianapolis, Indiana 317-881-2700

Personal Injury Lawyers Indianapolis, Indiana 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 after being injured in an auto accident in Indianapolis, Indiana. Indianapolis auto accident attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek will recover the full and fair compensation you deserve after sustaining a serious injury resulting from a car accident that was not your fault. We offer free initial consultations to discuss your claim, and never charge lawyer fees unless we recover compensation for your losses. Call 317-881-2700 to file a car accident injury claim in Indianapolis, IN today.