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Indiana Car Accidents Questions & Answers
1 Answer | Asked in Car Accidents and Insurance Bad Faith for Indiana on
Q: Car insurance didn't approve accident.

I have insurance on my vehicle as well as my husband and daughter in laws. Were all covered for all cars. My dil got into an accident 2-19. Her car is in my son's name. Hes in the navy and will be gone for 8 years, so we don't have him on the insurance. Now they're refusing to cover... Read more »

Charles Candiano
Charles Candiano answered on Apr 16, 2020

With the exception that you must purchase insurance in a minimum amount, the terms of your auto insurance are governed by your policy, NOT by law. So it is not possible to tell you whether the exclusion is "legal or illegal." An insurance policy is a contract so it can specify whatever... Read more »

3 Answers | Asked in Car Accidents, Employment Law and Personal Injury for Indiana on
Q: indiana subrogation lien from WC, 3rd party fault ( car accident) what is included in the lien? pay & medical?

I am writing a demand letter & want to ask for a lower lien amount

Charles Candiano
Charles Candiano answered on Apr 5, 2020

if you were trying to handle this on your own, you are in trouble. these two, entirely separate and distinct actions: 1.) you have a Worker's Compensation which is a Board member of the Indiana Workers' Compensation Board; and 2.) you have a traditional lawsuit in the Circuit Court for... Read more »

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1 Answer | Asked in Car Accidents for Indiana on
Q: when i get pulled over will i get in trouble if i dont have it in the car can i call parent to prove insurance?
Charles Candiano
Charles Candiano answered on Feb 26, 2020

You are required to keep the information in the car. In a worst-case scenario, you get a citation which will be dismissed if you take a letter to Court FROM YOUR INSURANCE COMPANY, that confirms that the vehicle you were driving WAS COVERED on the date you were stopped. That said, the officer was... Read more »

1 Answer | Asked in Car Accidents for Indiana on
Q: In-network Dr balance billing me. I’m receiving ins settlement from other driver in accident. Is this legal in Indiana?

For 2 years Dr billed my insurance. I paid co-pays + 20% of my portion. Insurance paid contractual amount the entire 2 years. Asked billing what I owed to be paid thru settlement - they gave me a total of $265 owed. The same total was reflected on my online portal for a balance owed. When it was... Read more »

Peter N. Munsing
Peter N. Munsing answered on Feb 22, 2020

If you are settling you need to review this with your attorney. If you don't have an attorney, review it with a member of the Indiana Assn for Justice--they give free consultations. Generally, they can be held to the billing you relied on. Also, assuming insurance paid them, it's not... Read more »

2 Answers | Asked in Car Accidents and Insurance Bad Faith for Indiana on
Q: Need advice about getting rear ended in indiana. Not enough characters here to explain every detail. Thanks

My friend was rear ended in indiana in 2017. The distracted lady apologized because her kids distracted her causing the accident and the lady's insurance paid my friends medical and car damage. When the police questioned the at fault lady, she claimed my friend was stopped at a green light,... Read more »

Timothy Rowe
Timothy Rowe answered on Feb 16, 2020

She needs to get a letter from her insurance company in writing showing she is not fault. She needs to get a copy to the BMV so her record is corrected. She also needs to keep the letter and also a copy of the police report to show she is not at fault for any new insurance company that gives her a... Read more »

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1 Answer | Asked in Car Accidents for Indiana on
Q: I need a lawyer that does diminished value on a vehicle
Tim Akpinar
Tim Akpinar answered on Jan 22, 2020

You might be better off starting to contact Indiana lawyers on your own, being that your post remains open for a week. This isn't really a lawyer referral service; it's only a Q & A board. If the vehicle is older, or liability is being contested, it's possible a lawyer may not be... Read more »

1 Answer | Asked in Car Accidents for Indiana on
Q: We got in a very bad accident with a Semi. Semi was at fault . But my license is currently suspend due to insurance.

My license is suspended due to proof of insurance. I recently just got the car switched over to my name and haven’t got insurance yet . But the semi was at fault

Todd C. Barsumian
Todd C. Barsumian answered on Jan 16, 2020

You do not say whether or not you were injured or whether there was only property damage. However, your situation as an uninsured driver would not necessarily prohibit you from recovering damages, although it may prohibit you from recovering certain noneconomic damages. Indiana has what they call... Read more »

1 Answer | Asked in Car Accidents for Indiana on
Q: our car was hit outside our home. other party fled on foot, how do i proceed
Charles Candiano
Charles Candiano answered on Dec 27, 2019

Report the accident to the police, immediately, and forward the report to your insurance. If you didn't have comprehensive coverage, you can write to Indianapolis with the license plate and VIN (from police report) to enquire as to whether the car was covered by any policy of insurance at the... Read more »

1 Answer | Asked in Car Accidents for Indiana on
Q: our car was hit outside our home?
Charles Candiano
Charles Candiano answered on Dec 27, 2019

You need to ask a question.

2 Answers | Asked in Car Accidents for Indiana on
Q: Hello i was i was collateral damage in a car accident.

There was a wreck that had happened in pitch blackness on a major highway less than a minute before i had arrived. There was no other cars in the area. I ran over peices of there car and had damage to the underneith side of there car. My insurance company and there insurance company has me going... Read more »

Charles Candiano
Charles Candiano answered on Nov 26, 2019

Whether you have towing coverage or not, get the car out of impound, ASAP. If car rental was important, why didn't you have it on your insurance? The easiest thing to do is to pay your deductible and repair the car through your own insurance. When your insurance resolves the claim, they... Read more »

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1 Answer | Asked in Car Accidents for Indiana on
Q: what kind of attorney do I contact in Indiana to sue an uninsured driver? My insurance is not involved

I was hit yesterday by an uninsured motorist who was driving his girlfriends car, which was also uninsured. I do have full coverage, however the day that I got hit, I had literally just reinstated my insurance like not even an hour before (I was in another state for 5 months and didn’t need it).... Read more »

Charles Candiano
Charles Candiano answered on Oct 12, 2019

Assuming the accident was NOT your fault, you do NOT need an attorney, UNLESS YOU WERE INJURED. If you were injured, contact a personal injury attorney. They will file a UM claim against YOUR carrier. If you reinstated your insurance at 11:59 and then had an accident at noon, you are still... Read more »

1 Answer | Asked in Car Accidents for Indiana on
Q: How do I file a 3rd party insurance claim?.

I I had a car accident with other driver at fault, but I had lapse of insurance. I live in Indiana, which is an at fault state, so I am trying to be compensated for damages to my vehicle.

Charles Candiano
Charles Candiano answered on Sep 3, 2019

I assume you had an accident with a TN resident, in TN and they were at-fault. If that is true, you need to hire a personal injury attorney in TN to file suit. If it was property damage only, you can probably file in small claims. You sue the person who hit you. All necessary information should... Read more »

3 Answers | Asked in Car Accidents for Indiana on
Q: I was pinned against my car while stooped down putting air in the tire. The other car backed up to me pinning me . Then

Then he hit the gas and crushed me against my car. Very sore but no broken bones, no hospital. How much should I expect to get from insurance co.

Charles Candiano
Charles Candiano answered on Aug 30, 2019

Unless there is a police report, you should expect $0.00. With a police report and pictures, but no medical, you would be lucky to get a few hundred dollars. The insurance company has NO reason to pay you if there is no legal memorialization of the incident, no diagnosis, and no way to correlate... Read more »

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3 Answers | Asked in Car Accidents and Personal Injury for Indiana on
Q: If a cyclist on a sidewalk crosses in front of my car as I begin to accelerate from a complete stop and [Cont.]

there is a collision, who is at fault?

Peter N. Munsing
Peter N. Munsing answered on Jul 29, 2019

Depends on who is where, but you need to report it to your car insurance if you were the car driver, if you were the cyclist contact a ember of the Indiana Assn for Justice in your county.

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1 Answer | Asked in Insurance Bad Faith, Insurance Defense, Products Liability and Car Accidents for Indiana on
Q: My insurance company wants to total my car, i was not at fault. Can i ignore this and pursue at fault party insurance?

I was at work when our job security ran into my parked vehical, it all on surveillance. We went through the usual insurance swap, police report, inform my insurance of the accident. I was unable to reach anyone in the at fault party insurance, so my insurance offered to reach out to get info and... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jul 11, 2019

Either insurance can pay for the cost of fixing the car or the total loss value, it's their option. If you think it can be fixed you can buy it back for the salvage value, but then youget a "junk title" --and if you find out because of alignment or other problems it's not really... Read more »

2 Answers | Asked in Car Accidents, Personal Injury, Traffic Tickets and Domestic Violence for Indiana on
Q: What can I do if someone throws something at my moving vehicle on purpose? Its threating.
John Paul Young
John Paul Young answered on Jul 2, 2019

Obtain their license plate number, call police and report it. . Do not try and confront the persons throwing the items at your car.

If it really is intentional the insurance company for the person who threw the item will not pay for the damage. You will likely find that the thrower does...
Read more »

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1 Answer | Asked in Car Accidents for Indiana on
Q: Hi, I am having an issue with an car insurance company about payment that was to go the state to get the title

my truck was hit by their client, she left the scene and was arrested for DUI, My Truck was totaled, now a month later I'm still trying to get paid. They know part of this settlement will go to the state to back back taxes that I owe to get the title from the state and they say they state... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jun 12, 2019

Their obligation is to pay in exchange for the title. Your title having a charge from the state is your problem--not theirs. I question why the state can do that but you can take that up with the Indiana Civil Liberties Union. I suggest you have them give you a check for the part of the settlement... Read more »

2 Answers | Asked in Car Accidents for Indiana on
Q: If I got into an accident driving my moms car, but have full coverage myself, is there a way to just use my insurance?

My mom does have full coverage

Peter N. Munsing
Peter N. Munsing answered on Apr 6, 2019

Usually the vehicle you are in is primary. Talk to your company but unless they go with it it's mom's policy. You can agree to pay for any increase in her policy 9f it was your fault. Now if it's not your fault, no problem.

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2 Answers | Asked in Criminal Law and Car Accidents for Indiana on
Q: Should I file a police report? What should I do?

I accidentally hit a parked cars bumper yesterday, there wasnt damage to my or their car, so I left. When I got home I googled it, evidently I can get in huge trouble for not leaving info anyway. I dont want to be arrested.

Paul Stanko
Paul Stanko answered on Mar 11, 2019

Leaving the scene of an accident causing property damage is a violation. If there truly was no damage, then there is no violation.

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2 Answers | Asked in Car Accidents and Personal Injury for Indiana on
Q: 3 car bumper to bumper accident on interstate. No traffic. I was the 3rd vehicle. Now I’m being sued. How liable am I?

I live in Indiana. One day on the way to work I got onto the interstate. The split by downtown that is 4 lanes(left 2 lanes 65South and right 2 lanes 70W). Rainy day... so me and two other cars in front of me were going 50-60mph(speed limit 50). The very front car was a lady with kids romping... Read more »

John Paul Young
John Paul Young answered on Feb 15, 2019

The first thing you need to do is take a deep breath, everything is going to be fine. Second, deliver the summons and the complaint to your liability insurance company immediately. The insurance company has a contractual obligation to defend you and to indemnify you. (This means pay any judgment... Read more »

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