A Guide to Personal Injury Settlement Values: What’s Your Claim Worth?

Sustaining a personal injury can disrupt your life in ways that are not just physical but also financial and emotional. One of the most important aspects of recovering from an accident is securing a fair and just settlement for the damages you have incurred. Although the notion of what’s ‘fair’ can be subjective, the legal system provides structured guidelines for valuing personal injury claims, which can help in understanding what injured individuals can reasonably expect as compensation.

Navigating the labyrinth of personal injury claims and the multitude of factors affecting settlement values can seem daunting. This guide breaks down the intricate process of calculating personal injury settlements, aimed at empowering victims to understand their rights and work towards the compensation they deserve.

Call 317-881-2700 to Speak With Our Personal Injury Settlement Lawyers in Indianapolis
Call 317-881-2700 to Speak With Our Personal Injury Settlement Lawyers in Indianapolis

Why Understanding Personal Injury Settlement Values Matters

Before diving into the specifics of calculation, it’s essential to grasp the significance of settlement values. Many personal injury victims accept the first or second settlement offer presented to them by insurance companies without realizing the true worth of their claim.

Understanding the calculation breakdown helps in:

1) Ensuring fair compensation for all tangible and intangible losses
2) Empowering victims and their attorneys to negotiate from an informed position
3) Gaining the financial means to cope with present/future challenges resulting from the injury

By gauging settlement values accurately, claimants can transition from being mere accident statistics to individuals advocating for their own justice.

Factors Affecting Personal Injury Compensation

Personal injury settlement values are not essentially arbitrary; they’re grounded in measurable and subjective factors. The primary elements influencing these values include:

Severity of Injuries – The extent of physical harm directly correlates with the settlement value. More severe injuries that require extensive medical treatment and have a lasting impact on an individual’s life warrant higher compensation.

Medical Expenses – Calculating medical costs incurred due to the injury is relatively straightforward. It includes past, current, and estimated future medical bills related to injuries sustained in the accident.

Lost Wages – Monetary losses from missed work also play a vital role in settlement calculations. This includes lost wages from time off work for recovery and any decrease in future earning capacity due to the injury.

Pain and Suffering – This is a factor that varies greatly from case to case, as it encompasses the physical discomfort and pain, emotional trauma, and mental distress caused by the injury and its aftermath.

Future Medical Needs – Some injuries require ongoing care or may necessitate adjustments in lifestyle, leading to substantial future medical costs, which should be accounted for in a settlement.

Comparative Negligence – If the injured party is found partially at fault for the accident, their settlement may be reduced proportionally. Understanding contributory negligence and comparative fault laws is crucial in assessing potential impact on the settlement value.

Economic Damages

Economic damages refer to the measurable financial losses incurred as a direct result of the injury and cover areas like:

Medical Expenses – The cost of treatment can be determined by adding up all related medical bills including hospital stays, surgeries, prescription medications, and necessary medical equipment.

Lost Wages – Documenting the wages lost due to the inability to work provides a clear number to calculate this portion of economic damages.

Property Damage – In cases involving vehicle accidents or property-related injuries, the cost to repair or replace damaged property is an additional economic damage that contributes to the overall settlement value.

Through meticulous assessment and documentation of these economic damages, a more comprehensive understanding of the financial burden endured by the victim is revealed.

Non-Economic Damages

Unlike economic damages, non-economic damages are more subjective and can be challenging to quantify. This category includes pain-and-suffering, such as emotional distress and loss of enjoyment of life.

Pain and Suffering – Although intangible, pain and suffering are an important component in valuing personal injury claims. Multiplying the tangible costs by a “pain multiplier” is a commonly used method though not the only one.

Emotional Distress – This covers side effects such as anxiety, depression, sleep disturbances, and post-traumatic stress disorder (PTSD). These effects may often require testimony from mental health professionals to be taken into account.

Loss of Enjoyment of Life – Injuries can rob individuals of the ability to partake in activities they once enjoyed. Factoring this into the calculation acknowledges the intangible losses suffered.

Accounting for these non-economic damages is often more nuanced and requires a balanced approach that accounts for the victim’s unique circumstances.

Additional Considerations

Beyond the direct calculation of damages, several other considerations can significantly impact the ultimate settlement value, such as statute of limitations, insurance coverage caps, and even negotiation tactics.

Statute of Limitations – Each state has its own statute of limitations— the time within which a lawsuit must be filed. Missing this deadline can bar a claimant from any recovery, no matter how severe the injury.

Insurance Coverage Limits – Understanding the insurance policies involved and their coverage limits is vital as it can cap the maximum settlement, even if the calculated value is higher.

Negotiation Strategies – A nuanced approach to negotiation, involving the help of a skilled personal injury attorney, can often lead to higher settlements by leveraging strong arguments and evidence.

A broad understanding of these considerations ensures that personal injury victims approach the settlement process with a strategic mindset, enhancing their outcomes.

Seeking Legal Advice

Navigating the complex world of personal injury settlements can be challenging, especially for those unaccustomed to the legal intricacies involved. Seeking the counsel of an experienced personal injury lawyer is the best course of action. These professionals specialize in valuing claims and negotiating with insurance companies to obtain the best possible outcome for their clients. By equipping themselves with knowledge and legal representation, claimants can confidently pursue the compensation they deserve. This aids in their path to recovery and offers some sense of closure after experiencing the trauma of an injury.


The road to a personal injury settlement is rarely straightforward. From determining the severity of injuries to understanding the complexities of non-economic damages, the process is rife with nuances that can dramatically impact the final compensation amount. By delving into this guide, victims can better equip themselves with the understanding necessary to advocate their case effectively and ensure that the settlement they receive does justice to the physical, emotional, and financial hardships they’ve endured. Remember, the more informed you are, the stronger position you will hold in the quest for fair recompense for your injury.

Are you ready to pursue the personal injury settlement you and your loved ones deserve? Contact the law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 today. Our Indianapolis civil litigators provide free initial consultations and never collect lawyer fees unless we recover a settlement or verdict for you. We represent victims all throughout the state, plus Indiana residents injured in other states.

Related Posts:

Key Factors Influencing Your Personal Injury Settlement Value
How a Personal Injury Evaluation Can Help You
What is the Worth of My Personal Injury Claim?

Tips for Your First Meeting With a Personal Injury Lawyer

As an injured victim, you have already been through enough stress and suffering. But when it comes to meeting with your personal injury lawyer for the first consultation, you should not feel any anxiety or confusion whatsoever. To help ease your nervousness, continue below for advice on how to prepare for and what to expect at your initial case evaluation with your personal injury attorney.

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Indiana Personal Injury Lawyers 317-881-2700

Before You Meet With Your Lawyer

The initial meeting with your personal injury lawyer is a case evaluation. For this reason, most accident law firms do not charge for a consultation. Our law firm certainly does not. Your primary responsibility for preparing for your initial meeting is to gather all evidence you have access to regarding your accident, injuries, and losses. This includes pictures, video, witness statements, police reports, medical records, hospital bills, medical treatment bills, receipts, letters and contact data from the insurance companies involved, and similar documents that support your case. If you have these items you should bring them with you to your initial meeting.  If you do not have these items, and you certainly will not have all your medical bills and medical records as you will still be treating for your injuries, just bring what you do have and your attorney will obtain all the necessary items for your case.

Write down any questions you have for your lawyer to help you remember important points you wish to address regarding your accident claim at the initial meeting.

Arriving For Your Meeting

Be sure to do your best to arrive on time. If you are scheduled for a video conference or over-the-phone meeting, be sure you are properly equipped and ready to begin the meeting at the scheduled time. Personal injury lawyers work very hard on their cases because they believe in obtaining justice for their wrongfully injured clients. Although they do not charge you hourly, it is important to respect their time for this reason. If you are running late or cannot make it to your meeting, please call the office to let them know. You can simply reschedule at a later date.  Your attorney should also respect your time and if they have an emergency, running late or cannot make it to your meeting, they should contact you to keep you apprised of any emergencies and the need to reschedule.  Mutual respect for one another is the key.

What Happens in the Meeting

During the meeting, the main focus will be to learn as much as possible about your accident and subsequent injuries. The lawyer will review any compensable damages and losses, and educate you on your options for pursuing legal action against the negligent party who caused your accident. During this meeting, you too will have a chance to get to know the lawyer, and ask them questions about their credentials, case history, experience with your particular kind of injury, and so on. The key here is to be honest with your lawyer no matter what you are discussing. Remember, you are protected by the attorney-client privilege, so there is nothing to worry about when disclosing facts about your accident and overall case. This attorney-client privilege even applies if for some reason the attorney decides not to take your case on so it vitally important to be 100% honest with everything.

Indianapolis Personal Injury Lawyers Who Will Fight For Your Accident Claim Settlement

Call the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free initial consultation with one of our seasoned personal injury lawyers in Indianapolis, Indiana. Attorneys Daniel Craven, Ralph Hoover, and Keith Blazek have multiple decades of trial and litigation experience in various types of injury cases in Indiana, and if we take your case, you do not pay lawyer fees unless we recover compensation for you! Contact us soon, before evidence is lost and time runs out for you to make your claim.  It is always best to call our firm as soon as you can after you get home from the hospital so we can start obtaining the necessary evidence to prove your case for you.

You Might Also Like:

Is it Optional to Hire a Personal Injury Lawyer for an Accident Claim?
What You Need to Know About Using a Personal Injury Lawyer
Qualities to Look For When Choosing a Personal Injury Attorney

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Can I Recover Compensation for Lost Wages After My Personal Injury Accident?

A wrongfully injured personal injury victim experiences several losses after an accident, but a significant types of damages they suffer is the loss of paychecks from missing time at work. Often times, wrongfully injured victims face financial challenges since they are not bringing in the same, steady income they were before. For those who are primary care-takers of their families, this is an added burden. Fortunately, wrongfully-injured victims can prove their lost wages in a personal injury lawsuit, and thus, be awarded compensation for the paychecks they would have received, and possibly future lost wages as well.

Continue reading to learn how an experienced personal injury lawyer can prove your lost wages and recover the full and fair compensation you deserve after being injured in an accident that was not your fault.

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Indiana Lost Wages Attorneys 317-881-2700

Claiming Payments for Lost Work Wages After an Accident

Missed payments and similar earnings are considered lost wages. They apply even if an injured victim goes back to work, but in a limited scope, and at a lower pay. Lost wages can include base pay, bonuses, commissions, tips, company perks, overtime, PTO, sick days, and even vacation days. Whether you have had to take full time off work after your personal injury accident, are only able to work part-time or temporarily, or you can never go back to work ever again, you should be a good candidate for receiving a settlement or verdict in your favor if the accident that caused your injuries was not your fault.

You must, however, be sure to hire an experienced Indiana personal injury law firm to represent your claim. Only they can navigate your case in the right direction, and in the best interest of your and your claim’s outcome. Essentially, they have the knowledge and skills to prove wage-related losses in an accident lawsuit, or well-before your claim even goes to trial.

Proving Lost Wages

In order to prove that you have in fact lost out on work paychecks as a result of your accident and subsequent injuries, your lawyer will substantiate a case filled with concrete irrefutable evidence and documentation. They will prove that your accident was caused by a negligent party, and that the accident was caused genuine, precise, and compensable losses. Lost income is one of these types of specific and calculable losses.

Additionally, your lawyer will provide other types of evidence to support this claim, including a detailed description of your job and work hours, past paycheck stubs, recent tax return documents and W-2’s, a letter from your boss confirming your lost wages, medical records, doctors’ letters, and even expert testimonies if necessary. As a personal injury victim, you might also recover compensation for future lost wages and similar earnings, including loss of retirement benefits and loss of pension.

How to Get Your Personal Injury Claim Started in Indianapolis, Indiana

Call the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to learn more about your rights to being compensated for your lost wages after a serious personal injury accident in Indianapolis, Indiana. Our seasoned accident attorneys have extensive trial and litigation experience, and never collect attorney fees unless we obtain a settlement or verdict for you. Contact us today to schedule a free initial case evaluation, and explore your claim’s strength with a skilled injury lawyer. We serve clients in and around Indianapolis, and all throughout the state of Indiana. Act now before evidence is lost and time runs out on your claim!

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How to Get the Maximum Settlement for Your Indiana Accident Lawsuit

If you are an injured victim recovering from a wrongful death or injury accident in Indiana, a call to the Law Office of Craven, Hoover, and Blazek P.C. is the phone call you need to make. Just be sure you call soon, before evidence proving your case is lost or before time runs out to make a claim. We can get you the maximum settlement or verdict for your economic and non-economic damages and losses, including medical expenses, hospital bills, pain and suffering, lost wages and more.

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

Why Choose Us for Your Indiana Accident Lawsuit?

There are many reasons why our Indianapolis, Indiana personal injury law firm has continued to excel in both case results and professional reputation. Hoosiers all across the state have received full and fair compensation for their injuries and related damages as a client of ours, and you can too. We are seasoned personal injury lawyers who have extensive trial and litigation experience representing victims of negligent accidents, and can obtain the best possible settlement or verdict for your Indiana accident lawsuit or claim.

We strongly believe that wrongfully injured victims deserve justice as we too have been injured as the result of negligent persons and companies and a person should never be left financially responsible for paying their bills, expenses, and having to suffer other losses when those losses were not caused through fault of their own. We work around the clock to ensure our client’s get justice for their wrongful accident in the form of compensation, which is what Indiana law requires. That is why we also provide free initial case evaluations, and work on contingency, which means we only collect payment from a settlement or verdict if we are successful at obtaining a settlement or verdict for you.

Our Indiana Accident Attorneys Will Fight for Your Right to Be Fully Compensated

As honored members of The Trial Lawyers of America, the Indiana Trial Lawyers Association, and several other notable associations within our field, we have earned distinguished careers practicing law. We retain a solid reputation for providing aggressive, all-inclusive, and valuable legal advocacy for clients with the primary goal of ensuring that our clients are supported physically, emotionally, and legally during the progression of your case. In fact, we handle all aspects of our client’s case so that you can put your attention toward healing and simply getting your life back to where it was the day before the negligence and injuries were caused.

Get Started on Your Indiana Accident Claim Without Paying a Single Penny

In addition to representing a wide range of accident cases and wrongful death cases, do not forget that our seasoned personal injury attorneys at the Law Office of Craven, Hoover and Blazek P.C. offer free initial consultations and never collect lawyer fees unless we recover a settlement for you. Furthermore, we also offer 24 hour phone services, at-home visits, hospital visits, Spanish speaking staff, and much more. Unable to travel? No problem, as we also offer case evaluations and meetings over the phone, via email, or through online video conference, such as Zoom or Skype.

Contact our Indianapolis, Indiana personal injury lawyers at 317-881-2700 to schedule a free consultation and learn more about your rights to pursuing legal action against a party who caused your accident and subsequent injuries.

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What Should I Do if Injured in an Accident I Did Not Cause?

After being in an accident there could be a million thoughts rushing through your head. But it is important to immediately seek medical treatment, either at the scene of the accident, or in your own time shortly after. This is your first step after being hurt in an accident that you did not cause.

Continue below to learn everything you need to do and focus on after your initial medical care, and how to recover compensation for your resulting damages, including medical bills and missed paychecks.

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

Medical Treatment is Step Number One

As mentioned, your first step after getting injured in an accident, no matter the type of accident, is to get medical treatment right away. You can seek medical care at the scene of the accident through emergency medical technicians or paramedics, go to the ER, or make an appointment with your primary care doctor. Regardless of which medical care route you take, just be sure to keep all documents and records of your treatment. These documents and paperwork will be pertinent to your personal injury claim. It is important that you obey all medical treatment plans and doctor’s orders during this time.

Report the Accident

You should call 911 and have the police show up at the scene.  Just like your duty to seek medical care right away, it is also important to immediately, or as soon as you are capable, to make a police report to document and record the accident and the relevant information from all involved parties. Preferably, you want to do this at the scene of the accident. But if you are not able to, at least make a report soon after, within a day. Request and retain a copy of the police or accident report, and be sure to give this your personal injury lawyer at your initial consultation.

Document and Gather Evidence

If possible, document the scene of the accident, and all relative details of the accident, via video, photographs, and obtaining witness names, addresses and phone numbers. Be sure to take pictures of any visible injuries, if possible. These pieces of evidence will help prove your personal injury case later on. If you are not able to physically take pictures or ask for witness contact information, ask a friend, witness or police officer for assistance.

Do Not Speak to the Insurance Adjuster for the At-Fault Party

You do not want to talk to the opposing party’s insurance adjuster until you have retained a seasoned Indiana personal injury lawyer who can handle the insurance company for you. Anything you say or do will be used against you when it comes time to negotiate your settlement. So, be sure to not talk about the accident or your injuries with anyone other than your medical care providers and your lawyer. Also important, stay off of social media. Anything you post can be used to lessen the value of your claim.  Defense adjusters and defense attorneys will try to take things you post on social media and argue them out of context. 

Let Your Accident Attorney Do Their Job

Your accident attorney is on your side from start to finish, and you can turn to them for any questions and concerns you might have during the personal injury lawsuit process. Your main priority at this point is to recover, physically, emotionally, and mentally, as best you can. Your lawyer will handle all filings, paperwork, deadlines, negotiations, and more, all in the best interests of your financial recovery. As your attorneys, we only want you concentrating on getting better and getting your life back to normal.  We will take the other stressors and worries off your plate.

Who Can You Trust for Skilled Indiana Personal Injury Legal Representation?

Call the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to learn more about filing a personal injury claim in Indianapolis, Indiana. Daniel Craven, Ralph Hoover, and Keith Blazek are seasoned accident attorneys who will fight to recover the full and fair compensation for your losses. We offer free initial consultations and never collect lawyer fees unless we win a settlement. Call 317-881-2700 to schedule your free consultation with an Indianapolis personal injury lawyer, today.

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Can I Discuss My Accident Claim With the Other Party’s Insurance Company?

After being hurt in an accident, you will be confronted with the invitation to speak with the other party’s insurance company. You may even want to talk with a defendant’s insurance adjuster because you would probably be feeling like you are helping.  Speaking to an insurance adjuster prior to speaking with an attorney is not wise.

Continue reading to learn why, and what you should do to fully protect your rights to a full and fair settlement.

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Indiana Personal Injury Law Firm 317-881-2700

Insurance Adjuster Tactics are Not in Your Favor

Insurance companies train their adjusters to use very specific tactics to get information out of claimants that can jeopardize their rights to being compensated. You see, the opposing party’s insurance company has one primary objective, which is to pay out as little as possible, preferably nothing at all, for your accident claim. They will record whatever you say, and then dissect it until they can piece together your words out of context to try to limit your claim.  A defendant’s insurance adjuster does not owe any duty to an injured claimant and they are not trying to help you with your claim.

For these reasons and more, personal injury claimants should never, under any circumstances, speak with the other party’s insurance company until they have spoken to their own lawyer. Even then, it is very unlikely that a personal injury lawyer will let their client talk to the other party’s insurance adjuster, or at least alone and without legal advice.

What to Do After an Accident

After an accident, your priority should be to seek medical treatment by a licensed doctor. Be sure to keep any and all documents as evidence of your medical treatment. Follow all doctors’ orders and appear for all follow-up appointments if at all possible.

Once you are stable, or if an immediate family member can help, contact an Indiana personal injury law firm to retain professional representation for your accident claim right away. Reputable firms offer free case evaluations and work on contingency, which means you do not have to pay any lawyer fees upfront.

Not only is it important to follow the advice of your doctors and medical professionals, but it is also vital to take the advice of your personal injury lawyer very seriously. You do not want to make any these common mistakes with your personal injury claim.  Moreover, as defendants’ insurance carriers have attorneys on staff, it is important for you to obtain your own attorney who will look out for your interests and only your interests as well.

How to Get on the Right Path Toward a Successful Personal Injury Settlement in Indiana

Call the law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to file a personal injury claim in Indiana. We are seasoned personal injury attorneys who want nothing more than to recover the full and fair compensation for accident victims across Indiana. We offer free initial consultations and never collect lawyer fees unless we prevail for you. Call 317-881-2700 and get started as soon as today.

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The 4 Basic Consumers Rights

When you buy a product, whether from a store or directly from the manufacturer, you expect it to be safe. So, when a defective or harmful product causes you or your loved one injury, the rules are on your side. The law imposes several statutory duties onto commercial manufacturers and businesses in order to protect their consumers from harmful products. In fact, some states have even codified such regulations into law. These are known as consumer rights, and although they are not strict law in all jurisdictions, they are widely accepted legal principles that affirm a victim’s right to being compensated for their damages and losses after being injured by a harmful or defective product. 

Continue reading to learn the four basic consumer rights that are widely recognized in the United States under product liability law, and how they protect you from harmful products.

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Basic Consumer Rights

Consumer rights refer to a particular body of law that sets specific standards and regulations for manufacturing companies and businesses to protect their consumers from danger. Although subjective, four basic consumer rights that are widely accepted are 1) the right to be informed, 2) the right to safety, 3) the right to choose, and 4), the right to voice your opinion.

Your Right to Safety

Not only is the right to safety the most widely accepted of all the consumer rights, but it is also arguably the most imperative. A consumer should be fully-protected when they purchase and use a product from a manufacturer or business. All products should be reasonably safe, so long as they are properly used for their intended purpose. But when a product causes serious injury to a consumer, whether as a result of manufacturer negligence or some other reason, this is often in violation of their consumer right to safety.

Your Right to Information

The consumer right to being informed is important because no consumer should be left in the dark about anything relevant to the use or operation of a product they’ve purchased. Not knowing everything there is to know about the makeup, operation, and warnings of a product can put the consumer at high risk for injury and harm. False or misleading claims, poor labeling, and insufficient manufacturing information can be dangerous for a consumer, especially in cases of medications, healthcare devices, and highly flammable products.

Your Right to Choose

Another universally-recognized consumer right is the right to choose. Basically, this abates the growth and development of monopolies, this way, consumers are allowed the benefit of comparing products, prices, retailers, vendors, and decide based on their research. Many states have introduced anti-trust and unfair competition laws to protect this consumer right.

Your Right to Voice Your Opinion

Although not entirely statutory among all jurisdictions, it is still generally agreed upon that consumers have the right to be heard. In fact, with the growing technologies available today, consumers are given the platform to voice their opinions on products through customer testimonials, online reviews, social media, and more. This not only allows consumers to rate products and inform others on their experience with them, but it also lets them voice their concerns, to both their audience and the manufacturers themselves.

Have You Been Injured By a Defective Product in Indiana?

Call the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to learn your rights to filing a product liability claim against a negligent manufacturer or retailer. Our experienced Indiana product liability lawyers can help you recover the full and fair settlement or verdict you deserve after being injured by an unreasonably defective or harmful product. We offer free initial consultations, and do not collect attorney fees unless we obtain compensation for you. We serve clients in Indianapolis and throughout the state of Indiana. Request a phone, video, or in-office case evaluation, today.

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The First Questions You Should Be Asking About Your Personal Injury

After suffering serious injuries and resulting damages in an accident that was not your fault, it is quite normal to feel an onset of emotions and confusion. You and your family are likely full of questions regarding your recovery, losses, financial impacts, physical impacts, and more. To sort through the overwhelming number of questions and concerns running through your head, begin with the basics. This will put you on the right path toward obtaining fair compensation and easing anxiety.

Continue reading to learn the very first questions you should be asking yourself about your personal injury, including how to get started on your claim.

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Indiana Personal Injury Law Firm 317-881-2700

How Much Time Do I Have to File a Personal Injury Claim?

Each state has a set time limit known as a Statute of Limitations in which accident victims can bring about a personal injury complaint against an at-fault party. Here in Indiana, most personal injury cases have a statute of limitations of 2 years, including cases involving car accidents, premise liability, medical malpractice, libel, defamation, slander, assault, battery, and product liability. Cases regarding governmental and school liability have certain limitations that must be met within as little as s6 months to bring a claim so you should obtain an attorney as soon as possible following any injury, not only because of time limitations but because evidence can quickly be lost forever.

Can the Statute of Limitations for My Personal Injury Case Be Extended?

Many accident claimants ask the questions, “Can a personal injury statute of limitations be extended?” The answer is not likely. The reason for time limitations on civil cases is to avoid losing evidence and preventing fraud. If you were hurt in an accident that was not your fault, it is important to seek medical attention right away, follow all doctors’ orders, and retain professional personal injury legal representation. Do these things as soon as you can, and you will not be in jeopardy of running out of time on your claim.

What Can I Be Compensated For?

There are several types of losses a personal injury victim and their families can suffer. Such losses are referred to as damages. Common damages in a personal injury claim include general damages, special damages, and punitive damages. Victims and families of victims can be awarded compensation for hospital bills, medical expenses, lost wages from time off work, pain and suffering, disability, prolonged physical therapy, permanent scarring or disfigurement, loss of ability to work, loss of companionship, and much more.

Can I Be Liable for My Injuries?

This question is important to ask yourself both before and during a meeting with a personal injury lawyer. If you were at all to blame for your accident and subsequent injuries, it will impact your case. If you are not sure if you were to blame for your accident, talk to a personal injury lawyer to learn more about your eligibility to pursue legal action against another party.

How Do I Get My Personal Injury Claim Started?

Your first step to making a personal injury claim is to have your case evaluated by a skilled and experienced accident attorney. They will determine how strong your case is, and whether or not you could be successful in moving forward with filing a complaint in court or a claim with a defendant’s insurance company. Choose a trusted and proven Indiana personal injury law firm that can obtain the maximum settlement or verdict for your accident claim.

What is a Top Personal Injury Law Firm in Indianapolis, Indiana?

That’s simple; trust the Law Office of Craven, Hoover, and Blazek P.C., just like thousands of Hoosiers before you.

Call the Law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to learn how to get started on making a personal injury claim in Indianapolis, Indiana. Our compassionate accident attorneys are well-versed and experienced in several practice areas, from slip, trip, and fall accident claims, to auto accidents, semi collisions, medical malpractice, product liability, workers’ compensation, catastrophic injuries, and much more. When you walk into our office for your free consultation, you will instantly feel confident that you are in good hands. We offer free initial consultations and never collect lawyer fees unless we recover a settlement or verdict for you. Call 317-881-2700 to get started, today.

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Important Personal Injury Legal Terms You Need to Know

If you or a relative or friend was recently injured in an accident and suffered a serious injury, you have to file a personal injury claim to recover compensation for your related losses and damages. To better understand your personal injury case, it is wise to speak with an experienced accident lawyer who can answer all of your questions, clearly and in real time. Another wise initiative is to learn some important personal injury claim and legal terms to better prepare yourself for your scheduled consultation.

Continue reading and review some common legal terms that are frequently used under the circumstances of a negligent injury or accident.

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Indiana Personal Injury Law Firm 317-881-2700

Personal Injury

A personal injury is harm or damage incurred as a result of another’s carelessness or negligence. This includes physical injuries like broken bones, concussions, lacerations, wounds, burns, internal organ damage, back and neck injuries, head injuries, and more. Mental anguish, pain and suffering and emotional trauma that occurs following an injury are also considered damages.


The term liability refers to one’s obligation or responsibility. For example, if a drunk driver causes another driver injury, the drunk driver is liable for the victim’s damages and the drunk driver’s insurance carrier pays for those damages. It is the at-fault party’s insurance carrier who will pay for the injured victim’s claim.  If the at-fault party is not insured, the injured party’s own insurance company may pay for any claim caused by the uninsured motorist.


The term “party” sometimes refers to either the defendant’s side or the plaintiff’s side. This includes the person, their insurance company, and their attorney. There are first party claims and third party claims, which you will learn more about below.


The claimant is the person filing the personal injury claim. This can be one person, the victim, or the family of a victim. Once a lawsuit is filed, the claimant become the plaintiff.


A tort is a wrongful or immoral act that causes another person injury or harm. Often times, you will hear this area of law referred to as tort law. This brings us to our next term.


Also referred to as the “at-fault party”, the tortfeasor is the actual person who engaged in negligent conduct or who failed to use reasonable case that caused someone harm or damage. They can also be the defendant if they are the ones being sued.

First Party Insurance

As we already know, the term “party” refers to either the plaintiff side or the defendant side. Well, first party is always the plaintiff side, in particular, their insurance company. A plaintiff might file a claim with their insurance company for money for damages.

Third Party Insurance

This is a defendant’s insurance company. It is commonly the insurance companies that pay out compensations or negotiate recompense in personal injury cases.

Third Party Claim

Different from third party insurance, a third party claim is when a person files an additional claim against a separate entity involved in causing their injuries. For example, if a person is severely injured at work while delivering a pizza, they can file a worker’s compensation claim (first party claim) with the company’s insurance provider since they were injured while working, and then they can file a third party claim against the person who collided into their vehicle while they were working.


The adjuster is a person that is employed or hired by an insurance company to investigate and handle a personal injury claim made against a defendant since it will be the defendant’s insurance company and not the defendant themselves who will be paying any judgment or settlement. Their primary objective is to argue why the injured party’s case has little to no value since their employer, the insurance carrier, has to pay for any settlement or judgment.

Your Trusted and Motivated Personal Injury Law Firm in Indiana

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to consult with our seasoned personal injury accident attorneys in Indianapolis, or anywhere within Indiana. Seasoned attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek retain extensive trial and litigation experience representing accident victims in the state. We offer free initial consultations to assess your case. Best of all, we never collect lawyer fees unless we recover compensation for you!

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What are Common Damages in a Personal Injury Claim?

Accidents can happen at any time, and on a wide scope of severity. At times, accidents happen because of a person’s negligence, which can lead to a personal injury claim. Common examples of personal injury cases include motor vehicle collisions, slip and falls, workplace injuries, dog bites, medical malpractice, product defects, and assault.

When someone is seriously injured in an accident due to another’s negligence, they may be entitled to certain compensation for their damages and losses incurred as a result of the accident and subsequent injuries. Damages and losses differ from case to case depending on several factors, such as the extent of injuries, the extent of negligence, and the unique circumstances of the accident.

Continue reading to learn more about common personal injury damages, and how to get started on your accident claim today.

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Common Types of Losses

Personal injury claims generally recognize and consider three types of losses, referred to as “compensatory damages.” These include economic losses, future economic losses, and non-economic losses. Types of economic losses may include medical expenses, hospital bills, over-the-counter medication costs, prescription costs, lost wages, time off work, childcare expenses, home adaption expenses, fuel costs (to and from doctors’ visits), and similar expenditures.

Types of future economic losses may include prolonged medical treatment, physical therapy, long-term care, future medical expenses, future prescription costs, future hospital costs, and more. Types of non-economic losses may include pain and suffering, permanent disability, permanent disfigurement, mental anguish, PSTD, loss of social life, loss of work abilities, loss of companionship, loss of education experience, and more.

Medical Expenses

After being seriously injured in an accident, a person will require medical attention; and unfortunately, medical care is not free. Medical bill coverage is a big part of the financial recovery in a personal injury case. Services like ambulance rides, surgeries, doctor’s appointments, physical therapy, medical treatments, medicine, MRI’s, x-rays, CT scans, follow up care, and more, all cost a lot of money, even with health coverage. The total cost of a victim’s medical expenses varies from case to case, and depend largely on the extent and needs of their injuries. For more serious injuries, medical expenses can be ongoing for the remainder of a victim’s life, so future medical costs must be considered in a personal injury claim as well.

Lost Income and Additional Losses

When a person is seriously injured in an accident, they are unable to work, which means they lose out on the wages that generally pay for their cost of living. Rent, mortgages, car payments, electric bills, groceries, and more, are all common bills that must be paid to maintain the quality of life a victim had before the accident. If they are unable to work, they are losing money that usually pays these expenses and more. These types of losses may be recoverable in a personal injury case.

Additional monetary losses that may result from a serious injury include vehicle damages, funeral costs, pain and suffering, loss of companionship, loss of work abilities, long-term emotional trauma, PTSD, and more.

Where to Get Trusted Legal Advice Regarding Your Indianapolis Personal Injury Claim

Call the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to make a personal injury claim in Indianapolis. Licensed accident attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek are ready to pursue your case and obtain a full and fair settlement for your losses. We offer free initial consultations and represent injured persons throughout the State of Indiana.

Indianapolis Personal Injury Lawyers 317-881-2700
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