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Indiana Insurance Defense Questions & Answers

1 Answer | Asked in Personal Injury, Car Accidents and Insurance Defense for Indiana on

Q: Why weren't there a crash investor called after my crash on September 8, 2018.. only a police officer arrived.

Charles Candiano answered on Sep 17, 2018

Indiana only requires that a formal accident reconstruction be prepared after fatal accidents. If someone died or suffered obviously life-threatening injuries, they would have taken the necessary measurements and photographs of the vehicles, gouge marks, and any other memorialization of the... Read more »

1 Answer | Asked in Traffic Tickets, Criminal Law, Car Accidents and Insurance Defense for Indiana on

Q: Will my new traffic citation affect my ongoing court case?

I received a citation for going 90 in a 65 on the interstate. A month prior I was charged with a hit and run that i am disputing in court, my final court date for the hit and run is april 13th. The court date for the citation is in may. Is the citation in any way going to affect the outcome or... Read more »

Charles Candiano answered on Mar 26, 2018

It has nothing to do with WHETHER you were liable in the "hit and run" but a subsequent Reckless Driving will make it a heck of a lot more difficult for your attorney to negotiate a plea, in BOTH actions. Do NOT plead guilty to the speed/reckless charge. Hand it over to your attorney and SLOW... Read more »

1 Answer | Asked in Car Accidents and Insurance Defense for Indiana on

Q: My husband and I wrecked our motorcycle a few years ago and we we're unaware that our insurance had lapsed

Charles Candiano answered on Feb 28, 2018

The insurer is required, by statute, to let you know, in writing, that your insurance has lapsed. Most insurance companies make the advisement BEFORE the policy expires/lapses. If you were paying, monthly, there would be no opportunity to write to you before the policy lapsed or they would be... Read more »

1 Answer | Asked in Criminal Law, Insurance Defense and Traffic Tickets for Indiana on

Q: I have LL insurance on my vehicle. While test driving a private owned vehicle got speeding ticket, he has no insurance

I have limited liability insurance currently on my vehicle that I own. I currently have my drivers license in Indiana. It broke down and while test driving a newer uninsured privately owned vehicle, I got a speeding ticket in kosciusko county, Indiana. When the speeding ticket goes through, I,... Read more »

Andrew L. Bennett answered on Feb 12, 2018

Contact your insurance company to determine if your specific policy will cover you driving the other vehicle. If it will not then likely you will be suspended for Failure to Provide Proof of Insurance, which will include a 90 day license suspension. If you cannot avoid the suspension by having... Read more »

1 Answer | Asked in Car Accidents, Insurance Defense and Personal Injury for Indiana on

Q: What do I do when I was a passenger in a single vehicle car accident and the driver didn't have insurance?

The driver is now in prison due to a parole violation (none of us knew we thought he just moved away and came back). My medical bills are coming in so I don't know what to do.

Peter N. Munsing answered on Dec 19, 2017

Contact a member of the Indiana Assn for Justice for the county where the wreck happened to see what options you have for uninsured motorist or other party liablity--they give free consults.

1 Answer | Asked in Insurance Defense, Car Accidents and Traffic Tickets for Indiana on

Q: if you obtain a police report are you required by law to file it with your insurance?

Had a small fender bender and when I asked for a police report officers said I had to file a claim with my insurance or have my lisence revoked. is this true even if I was the person who got rear ended?

Peter N. Munsing answered on Dec 19, 2017

No, he's --or you--have mixed it up. You file with the other insurance if it's a rear ender. However if you were hurt, call a member of the Texas Trial Lawyers Assn--they give free consults.

1 Answer | Asked in Car Accidents and Insurance Defense for Indiana on

Q: Is the owner of an insured vehicle involved in an accident in Indiana, which he loaned to a friend, liable for damages

I was driving in Indiana. I am an out-of-state resident. There was a red light, and the car in front of me (Car 1) stopped. I stopped (Car 2). Moments later a third driver (Car 3) rear-ended me, and my car was pushed into the car in front. All three cars are damaged (mine in rear and front - about... Read more »

Charles Candiano answered on Nov 14, 2017

The simple answer is YES, generally through his or her insurance.

1 Answer | Asked in Criminal Law and Insurance Defense for Indiana on

Q: Bmv sending me letter in mail saying I need to show them proof of insurance

Was recently in trouble for evading police reckless driving leaving seen of accident but never got charged with it. this cop chased me n unmarked Police SUV with no police uniform on made me crash and bike slid into guard rail.. I think my license wasn't valid but he didn't give me a ticket... Read more »

Andrew L. Bennett answered on Sep 21, 2017

The short answer is Yes.

1 Answer | Asked in Real Estate Law, Criminal Law and Insurance Defense for Indiana on

Q: I don't currently own the home but was robbed. Is homeowners going to cover it since I don't actually rent from anyone

I'm a proprietor of a home my grandma owns but I currently live in it. I pay all the mortgage insurance and taxes

Paul Stanko answered on Feb 5, 2017

Check the homeowners policy for coverages and exclusions. That is controlled by contract. Your first call should be to the insurance agent.

1 Answer | Asked in Car Accidents and Insurance Defense for Indiana on

Q: I caused an accident without insurance. Is there any way for my license not to be suspended?

I caused an accident with a motorcycle less than a week ago. Couldn't provide proof of insurance at the accident, because it had lapsed over a month prior, but I do have insurance now. I'm aware I will probably face lawsuit and be stacked with lawyer fees, his bike, and medical bills. I can handle... Read more »

Peter N. Munsing answered on Sep 28, 2016

You need to conact an attorney who handles license suspension cases. Sometimes posting a bond will do it. The other person is primarily interested in insurance, not you. First up is making sure that the cancellation was correct. Second, be prepared to pay for their car damage.Usually what triggers... Read more »

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