Uninsured motorist liability coverage is a crucial part of Indiana auto insurance that protects Indiana drivers when they’re in a car accident caused by an uninsured driver in Indiana.

Uninsured and underinsured coverage can be a financial lifesaver for the injured person and loved ones left behind by a fatal car crash.

This article explains how coverage works in Indiana, what the minimum liability coverage is, what it can be used for, and how it protects those involved in automobile accidents.

What Is Uninsured and Underinsured Motorist Coverage?

Uninsured motorist coverage (UM) is part of your insurance policy. It provides financial damages if you’re in a car accident with an uninsured driver in Indiana, covering medical care, lost pay, and other damages.

In Indiana, it’s required in every auto insurance policy unless the auto insurance policyholder rejects it in writing.

Underinsured motorist coverage (UIM) kicks in when the at-fault driver has insurance for motor vehicles, but their insurance policy limits are too low to cover all damages.

Both types of insurance policies offer essential financial protection in case of serious bodily injury in a car accident.

Why Is Getting Uninsured Motorist Coverage from Your Insurance Company Important?

Indiana has a high number of uninsured motorists, about 16%. This uninsured coverage means there’s a significant chance of being in a car accident with an uninsured driver.

Without enough insurance, you would have to pay expenses out of pocket.

Imagine driving home from work and getting hit by an uninsured driver. Without your car insurance UM coverage, you would be responsible for bodily injury, medical bills, vehicle repairs, and more.

UM bodily injury coverage ensures your car insurance company covers these costs.

How Uninsured Motorist Coverage Works in Indiana

If you’re in an accident with an uninsured driver, uninsured motorist liability insurance coverage helps cover your expenses.

Here’s how it works:

1. Report the Accident: Inform the police and your insurance company.
2. File a Claim: Provide necessary documentation, like the police report and medical bills.
3. Claim Processing: Your insurance company investigates the car accident claim and determines the compensation amount.
4. Receive Compensation: Once approved, you’ll receive money for medical expenses, lost wages, and other damages.

Gather all necessary documentation for a smooth claim process, including the police report, medical records, and repair estimates.

Call Crossen’s experienced Indiana car accident attorneys today at 317-939-6800 to discuss your legal options. We understand the challenges you face and are here to offer compassionate support and dedicated legal counsel.

Benefits of Uninsured Motorist Coverage

Uninsured and underinsured coverage offers several benefits and additional coverage, including liability insurance and financial protection for:

• Medical bills: Covers past and future medical expenses from the accident, including physical rehabilitation and counseling.
• Lost wages: Compensates for unearned wages if you’re unable to work due to injuries or are no longer able to work after the accident.
• Property losses: Pays for repairs or replacement of the vehicle and contents that were in the automobile accident.
• Pain and suffering: In some cases, may also cover pain and suffering resulting from the accident.

Making sure your insurance policy includes both uninsured and underinsured coverage provides peace of mind, knowing you’re protected even if the other driver is uninsured.

What Does Uninsured Motorist Car Insurance Coverage Include?

Uninsured motorist insurance coverage also typically includes:

• Bodily Injury Coverage: Covers medical expenses, lost wages, and pain and suffering.
• Property Damage: Covers vehicle repairs or replacement.
• Additional: Some policies may cover rental cars or related expenses.

Consider these factors when choosing which insurance policy includes uninsured motorist insurance coverage:

• Coverage Limits: Opt for higher limits to ensure adequate protection.
• Policy Details: Understand what is covered and any exclusions.
• Comparison: Compare different policies to find the best coverage for your needs.

Experts recommend having uninsured motorist coverage limits that match your liability coverage limits for a car accident claim full protection.

Frequently Asked Questions About Uninsured Motorist Coverage in Indiana

Is uninsured motorist coverage mandatory in Indiana? Yes, Indiana requires that each policy covers UIM unless explicitly rejected in writing by the policyholder.

What is the minimum coverage required? $25,000 per person, $50,000 per accident for injury, and $10,000 for property damage.

How much does uninsured motorist coverage cost? It varies but is generally affordable and worth the investment when compared to the cost of the auto policy.

Isn’t it illegal to drive without minimum liability insurance? Yes, all motorists caught without it will lose driving privileges for a minimum of 90 days, be fined, and have the violation listed on their BMV record.

Can I reject UM coverage in Indiana? Yes, in writing, but it is highly discouraged.

What happens if the at-fault driver is underinsured? Underinsured motorist coverage will typically cover the difference between the at-fault driver’s insurance property and bodily injury limits and your total damages.

How Does Uninsured Motorist Coverage Help in an Accident in Indiana? Uninsured motorist coverage in Indiana helps cover your medical expenses, lost wages, and other damages if you’re in an accident caused by an uninsured driver.

Filing a Claim: Steps to Take After an Accident

If you’re in an accident with an uninsured driver, follow these steps to ensure your safety and protect your rights:

1. Ensure safety: Your first priority is safety. If possible, move to a safe location away from traffic. Call emergency services immediately and administer first aid if you can and it’s necessary.
2. Call the police: Report the accident to the police, regardless of the severity of the collision. A police report is a crucial piece of evidence when filing an insurance claim.
3. Exchange information: Collect the contact and vehicle details of the other driver. This includes their name, address, phone number, driver’s license number, vehicle make and model, and license plate number.
4. Document the scene: Take photos of the accident scene, including all vehicles, visible damages, road conditions, traffic signs, and relevant landmarks.
5. Contact your insurance company: Notify your insurance company about the accident as soon as possible.
6. Contact a personal injury attorney: Securing legal advice immediately is crucial. An experienced attorney will preserve crucial evidence, navigate the claims process, and fight for the compensation you deserve.

An experienced Indiana car accident attorney is helpful in determining liability in car accidents and attempting to recover full compensation for your personal injury and damages.

Contact Crossen Law Firm for Your Uninsured and Underinsured Motorist Accident Case

So, how does uninsured motorist coverage help in an accident in Indiana? You can contact us at any time and we will answer all of your questions.

Crossen Indiana Law Firm knows recovering from a hit-and-run accident or when hit by an uninsured driver is exhausting.

We can help you seek compensation under Indiana law for medical bills, unearned wages, accident property damage, and other losses you’ve suffered.

After accidents caused by underinsured motorists, calling a personal injury immediately is an essential step to protect your rights and secure the damages you deserve.

Leveraging extensive research and proven strategies, we confidently navigate through the intricacies of the law to advocate effectively on your behalf. Call Crossen Law today at 317-939-6800 for a free case evaluation and let us fight for your rights so you can focus on healing.

The post How Does Uninsured Motorist Coverage Help in an Accident in Indiana? appeared first on Crossen Law Firm.

As your experienced Indiana personal injury lawyers, we at Crossen Law Firm want to help you be informed of any potential risks and legal protections available to you. Here we outline important information about scooter accidents and your legal options after being involved in one.

Recent Trends in Scooter Accidents

The popularity of owning and renting scooters (electric and gas-powered) as a convenient, affordable, and admittedly fun transportation has skyrocketed. Recently, a study was done to understand national safety trends in the use of all “micromobility” transportation options including scooters, e-bikes, and hoverboards. 

The researchers found some staggering information highlighting the potential risks scooter riders face:

• The rate of scooter accidents has consistently increased over the past five years, with a 22% increase from 2021 to 2022 alone.
• Scooter accidents account for nearly 50% of all micromobility fatalities. 
• One-quarter of accidents involve people aged 15 to 24 years old while 40% of accidents involve people aged 25 to 44 years old.
• Males are more likely to be in a scooter crash, making up nearly two-thirds (65%) of all accidents. 
• Motor vehicle crashes are one of the top causes of scooter-related incidents.

With the growing risks associated with scooters and scooter-related crashes, it’s important to understand what to do if you are in an accident.

First Steps After a Scooter Accident

If you’ve been involved in an accident while operating a scooter, your health and safety are the top priority. Call for emergency services immediately. Once first responders arrive, be sure to receive any medical attention that is recommended to you by the healthcare professionals. This includes both immediate care and follow-up appointments recommended to you.

Next, if you are safe and able to do so, also request contact information or a copy of any available police reports. Having official documentation of the event itself may be important in determining if you qualify for filing a legal suit, help determine who is at fault, or even support your financial claims once a case is underway. 

Additionally, keep a record of all your medical treatments and associated healthcare bills. This includes emergency room bills, outpatient or specialist appointments, follow-up treatments or surgeries, medication costs, rehabilitative therapy, and more. This documentation can help to illustrate how an accident has functionally and financially impacted your life and help determine financial compensation. 

Finally, get in touch with an experienced scooter accident and personal injury lawyer as soon as possible. Scooter accidents can be complicated to navigate due to the various rules and regulations that surround their use. A skilled attorney can walk you through your unique situation and questions. They will help you to understand what situations qualify for legal action, what documentation you need to gather, what information you should (or shouldn’t) share with the other parties, and more.

Common Injuries After Scooter Accidents

The effects of being in a scooter-related crash can be minor to severe or even life-threatening in some cases. Seeking medical attention after a scooter accident is recommended to evaluate you for any injuries that can occur. 

Here are some examples of common injuries sustained after a scooter incident:

• Head traumas including skull fractures, scalp wounds, and facial injuries.
• Neurological injuries including traumatic brain injuries, concussions, and spinal cord injuries.
• Soft tissue injuries including severe contusions, sprains, strains, or tears of muscle, ligaments, tendons, and more.
• Internal bleeding or organ damage.
• Fractures, or broken bones, in other limbs or parts of the body.
• Lacerations, abrasions, or other wounds.
• Emotional and psychological trauma.

These are just a few of the examples of the physical and emotional toll a crash can have on your life. If you were involved in a collision while operating a scooter, you may find yourself dealing with one or more of these concerns. Seeking any financial compensation you are legally entitled can ease stress and financial burden while you focus on your recovery.

Laws and Regulations to Consider

In the state of Indiana, some specific rules and regulations apply to scooter operators to ensure their safety and those around them. Per Indiana state code IC 9-21-11-13.6, persons utilizing electric scooters are subject to the same rights and responsibilities as persons using bicycles. Specifically, this means that they are not allowed to ride on sidewalks and must operate on the street while abiding by traffic rules. 

Other regulations outline requirements such as:

• Lamps and light requirements on the front and rear of scooters for visibility for the operator and other drivers.
• Appropriate and designated parking guidelines to facilitate and maintain pedestrian and traffic flow.
• Prohibiting scooters from driving on interstate highways at any time.

The conduct of scooter drivers, including recklessness, speeding, distractedness, or operating under the influence, will be evaluated in the event of an accident. Indiana law also has a statute of limitations outlining how long you have to file a lawsuit after a scooter accident. Typically this is a two-year timeline but, in some cases, you may only have 180 days to file. 

Being a responsible driver while also being aware of local scooter regulations and protections is extremely important to protect yourself and others while enjoying this convenient transportation option. Contacting a lawyer sooner rather than later will also ensure you take advantage of your window of opportunity for filing a lawsuit.

How a Lawyer Can Help After an Accident

Even under the best of circumstances, accidents can still happen. Partnering with skilled attorneys, like the team at Crossen Law Firm, after being in an accident can help you navigate a potentially complicated situation and understand your legal rights. 

We will sit down with you to:

• Review any evidence
• Evaluate possible claims for financial damages
• Navigate insurance representatives for personal expenses or another’s policy
• Determine who may be at fault for the accident
• And more

An experienced attorney can also help you holistically determine a dollar amount if planning to seek financial compensation. 

Damages for being a victim in a scooter-related crash may cover:

• Medical bills including hospital stays, follow-up care, and ongoing therapy.
• Lost wages due to missed work from injuries.
• Estimates of future medical costs.
• Negative changes in your quality of life or ability to perform meaningful activities.
• Permanency of injuries sustained in the accident.
• Psychological distress caused by the accident or related injuries.
• Property damages.
• Any gross negligence or wanton misconduct exhibited by the other party.

Defining these costs and navigating a legal process can be difficult, especially while trying to heal and recover. Partnering with a knowledgeable personal injury lawyer can help you consider each of these areas and accurately estimate your financial damages.

Contact Crossen Law Firm for Your Scooter Accident

At Crossen Law Firm, we use our years of personal injury and Indiana scooter law experience to walk you through each step of considering and filing a lawsuit. We are passionate about helping our clients be informed of their rights and putting them at ease with the legal process. We take pride in alleviating the burden of a complex legal situation and allowing you to focus on recovering and returning to your life.

If you were involved in a scooter accident, contact our team today for a free consultation here or by calling 317-939-6800.

The post How To File a Scooter Accident Injury Claim appeared first on Crossen Law Firm.

Whether you’re already injured or just in need of additional information, here’s how to determine what type of insurance may cover bike accident injuries in Indiana.

What Insurance Covers a Bike Hitting a Car?

Many car insurance companies will cover injured cyclists’ injuries if the accident involves a covered vehicle. Applicable auto insurance for bike accidents often comes from uninsured motorist coverage or personal injury protection in no-fault insurance states.

Automobile Insurance

Indiana, which is an at-fault insurance state, requires all motorists to carry a minimum level of insurance known as 25/50/25 minimum liability coverage. A driver must have a minimum of $25,000 per person in bodily injury coverage plus $50,000 per accident and $25,000 in property damage coverage. A bike vs. car accident would likely be covered, depending on how the policy is written.

Health Insurance

Health insurance is another option in many bike accident cases. If the victim suffers injuries in the accident and needs medical attention, their healthcare coverage could cover costs like an ambulance ride, emergency care, and surgery. However, if they’re uninsured or have medical costs beyond what insurance is willing to pay, this could fall to the at-fault party for payment.

Homeowner’s, Renter’s, or Umbrella Insurance

Homeowner’s or renter’s insurance may apply depending on where the incident occurs. On a covered property, homeowner’s insurance or umbrella insurance could extend to a bike that’s a total loss, vehicle damages, or other property damages.

Why Do I Need Bike Accident Insurance Coverage?

According to the Centers for Disease Control (CDC), cyclists account for less than 1% of all travelers on U.S. roads but account for 2% of all traffic deaths. As a cyclist, your body is exposed to the forces of a traffic accident and you can easily be severely injured or killed when your bike collides with another vehicle. Your bike could also be damaged beyond repair.

Bike accident coverage isn’t automatic. There’s no guarantee that you have bike accident insurance coverage unless you’ve specifically pursued a bike accident policy. Any insurance, including auto, homeowner’s, or health insurance, won’t necessarily kick in to cover the costs in all situations. 

When available, bicycle accident insurance coverage often helps cover the most expensive costs associated with accidents. It could eliminate a mountain of medical bills or help you replace your totaled bike, even if other costs aren’t covered.

The right insurance makes it much easier to recover from a bike accident and get your life back on track. Insurance coverage helps lift the burden by lessening the financial impact of the accident so you can focus on your recovery.

Should I Start a Bicycle Car Accident Insurance Claim?

If you’re wondering whether you should start an insurance claim for a bike accident, don’t rely on the insurance company to provide your answer. Before you open a claim or make any statements to an insurance representative, consider speaking to a personal injury lawyer first. 

Unlike an insurance representative, who works to minimize paid claims for an insurance company, a personal injury lawyer’s role is to help you understand the law and assess your options after a bike accident. Your lawyer is on your side and works to advance your best interests. 

By contrast, an insurance company representative may be eager to settle your claim too quickly. They may want you to sign away your right to sue or ask you to agree to accept an agreement that undervalues the total worth of your case. 

When you’re facing extensive injuries and an extended recovery period after an accident, insurance coverage comes as a welcome relief. You may need to start a bicycle accident insurance claim to claim the compensation you desperately need - but don’t do so until you weigh your options with an experienced bike-vs.-vehicle accident lawyer. 

Questions About Bike Accident Insurance Coverage? Ask Crossen Law Firm

After a bike accident, contact the Indiana personal injury lawyers at Crossen Law Firm to learn more about your legal options and potential sources of insurance coverage. The Crossen Law Firm legal team has extensive experience with bicycle accidents and makes it a priority to help injured clients recover the maximum possible compensation. 

Call 317-939-6800 for a free consultation or contact us online.

The post What You Need to Know: Bike Accident Insurance Coverage appeared first on Crossen Law Firm.

While rear-end crashes are not considered the most dangerous type of accident, they can still result in severe injuries and even death. Crash data from 2021 shows that 17.9% of fatal accidents resulted from a rear-end crash. The death total in those accidents was 3,600. 

Of course, not all rear-end collisions are serious. For example, if the vehicles involved were driving slowly, the resulting damage might only be likened to a fender bender. However, if the vehicles were driving fast or the car struck was stationary, it could result in more severe injuries. 

If you or someone you love has been injured in a rear-end crash, you may be entitled to compensation that can help cover your losses. At Crossen Law Firm, our Indianapolis rear-end accident attorneys are dedicated to helping those who have been injured in collisions. We understand the emotional, physical, and financial toll an accident can have on your life and are here to help. 

If you’ve been injured in a rear-end crash, contact us online today to speak to one of our legal experts. 

Common Causes of Rear-End Accidents 

Rear-end crashes can happen for many reasons. However, there do tend to be certain factors that contribute to these kinds of accidents happening more often, which include:

• Tailgating or following cars too closely
• Speeding and reckless driving
• Not leaving enough space between cars when the roads are slick and wet
• Any form of distracted driving
• Changing lanes without checking that the path is clear
• Drinking and driving

The chances that the above driving behaviors will cause a rear-end crash increase when traffic is congested. Tailgating or distracted driving during rush hour, for example, is more likely to lead to a rear-end collision. However, these accidents can happen at any time of day, no matter how bad the traffic is. It’s important to always drive with caution to avoid causing a collision. 

What Are the Most Common Rear-End Accident Injuries?

Rear-end car accident injuries can range from minor to serious, depending on the impact of the accident. For example, a minor back injury from a rear-end car accident, such as a tweaked back muscle, might occur after a minor fender bender. On the other hand, the back injury could be more severe if the rear-end accident occurred at higher speeds, such as a herniated disc or even a spinal cord injury. 

Some of the most common injuries we tend to see as a result of rear-end crashes include:

• Whiplash: Whiplash and other neck injuries are very common in rear-end collisions. When a vehicle is struck forcefully from behind, it can cause the body, and particularly the neck, to whip violently back and forth, which can cause chronic pain and strained neck muscles. 
• Traumatic Brain Injuries (TBIs): Head injuries are also prevalent in rear-end collisions as the force from the impact can cause you to hit your head on the steering wheel, dashboard, or other parts of the car. This can lead to serious damage to the brain, such as contusions or hematomas. 
• Herniated Discs: As mentioned above, back injuries are also quite common in rear-end crashes, and herniated discs are one of the more specific back injuries that can occur. A herniated disc occurs when one of the discs in your spine bulges or slips out of place.
• Spinal Fracture: A spinal fracture is one of the more severe injuries that can result from a rear-end crash. When a fracture in the spine occurs, it increases the risk of severe spinal cord damage and instability, which can affect you long-term. 
• Back Sprains: It is also very common for you to tweak or sprain your back muscles in an accident. While this seems like a minor injury, back sprains can be painful and debilitating, especially if they result in muscle spasms. 

What Should You Do After a Rear-End Crash?

If you’ve been injured in a rear-end collision, your number one priority should be your health and safety. Thus, it’s important that you call 911 and request emergency medical services to have your injury checked out. It’s also important to ensure the police arrive so an official police report can be filed, as this will serve as crucial evidence that can help when you file a personal injury claim.

If possible, you should also gather additional evidence from the scene of the accident, such as photos or videos of what happened. The more evidence you have to support your claim, the more likely you are to be awarded the full and fair settlement you deserve for your injuries and other damages. 

In addition to gathering evidence, you must contact a lawyer following the accident. While you may be entitled to compensation, there is no guarantee that the insurance company involved will award you the full amount you are owed. A lawyer can defend your rights, help you build a strong case, and handle negotiations with the insurance company to ensure they award you the highest settlement possible for all of your pain and suffering. 

Consult an Indianapolis Rear End Collision Lawyer

If you were injured in a rear-end crash due to someone else’s negligence, you have the right to file a claim to recover compensation. At Crossen Law Firm, we have over 20 years of experience fighting for car accident victims. We know what it takes to ensure our client’s rights are protected and will do everything we can to get you the settlement you deserve.

Contact us today or give us a call for a free consultation at (317) 939-6800.

The post Common Rear-End Crash Injuries appeared first on Crossen Law Firm.

Another important phase in the process is the discovery phase, which is used by parties on both sides (the plaintiff and the defendant) to gain information and provide important evidence that can help with the case. 

At Crossen Law Firm, we can help guide you through the entire claim process, including the discovery phase, to ensure the best possible outcome for your case. Our team of Indiana personal injury lawyers will fight tirelessly to get you the compensation you deserve. 

What is the Discovery Phase of a Lawsuit?

In some cases, the insurance company involved in your case may accept your demands for compensation, which means it may not be necessary to move forward with a lawsuit. However, if your demands are not met, then you may need to take civil action, which will then lead to the discovery phase. 

This phase serves the purpose of allowing both parties to provide any evidence or gain any information necessary to prove their claim. For example, if the insurance company initially denied your demands, you and your lawyer would use the discovery phase to provide evidence that proves you are owed the amount you are demanding. 

There are four steps involved in the discovery phase process:

1. Interrogatories: These are questions both parties can ask the opposing party to gain information about the case. The point of this step is to gather important facts, such as the names and contact information for witnesses, insurance information, description of injuries, and medical treatments received. This information can then be used as evidence. 
2. Request for Production: This is another way of saying a request for documents related to the case. These can include police reports, copies of insurance policies, receipts or medical bills, eyewitness statements, photographs or video footage from the accident, etc. 
3. Request for Admission: During the discovery phase, you can also petition or be petitioned for admission of facts. This means sending the other party a series of facts to which they have to respond by saying whether the fact is true or false. This helps to reduce the number of things that must be proven during trial. If a party admits to speeding when petitioned for admission of facts, for example, there is no need to prove they were speeding during trial. 
4. Deposition: Depositions are essentially sworn statements that are made under oath but occur outside of the courtroom. Either party can request depositions to use later as evidence in court. Depositions, for example, can be requested early on before the involved parties forget important details about what happened, such as an account of the details of the accident. 

How Long is the Discovery Phase in a Lawsuit?

There is no average time for the discovery phase. Each case is unique and how long the process takes can vary depending on the individual circumstances. In some cases, the discovery phase might only take a couple of weeks, whereas in other cases, it could take months. 

You mustn’t rush through the discovery phase. This step in the claims process plays a vital role in helping you and your lawyer build a strong case against the opposing party. If the insurance company is denying your claim, for example, or refusing to pay you what you are owed, you will want to use the discovery phase to your benefit to gain as much information as possible. 

An experienced lawyer will be able to walk you through this process and help you understand what will be required of you to ensure the best possible outcome. 

What Happens After the Discovery Phase in a Lawsuit?

After the discovery phase, you will enter into settlement negotiations. This is when you and the other party will use all of the evidence and information gained in the discovery phase to come up with a fair settlement. During this step, your lawyer will help you understand when an offer is fair and when it isn’t. 

If you agree on a settlement, then your lawyer can accept the offer on your behalf and obtain a check for the agreed amount. However, you and the other party might still fail to reach an agreement. If so, then your case may need to proceed to trial, which can extend the timeline of your case even further. 

This is why the discovery phase is so important. If enough evidence is provided and sufficient information is gained, then it may be easier to reach an agreement without taking the case to trial. 

Consult an Indianapolis Rear-End Collision Lawyer

At Crossen Law Firm, we have over 20 years of experience fighting for victims of car accidents in Indiana. We are prepared to walk you through the car accident settlement process, including the discovery phase, and will fight tirelessly to ensure you are fully and fairly compensated for the damages you have suffered. 

Contact us today or give us a call for a free consultation at (317) 939-6800.

The post What is the Discovery Phase in a Personal Injury Case? appeared first on Crossen Law Firm.

At Crossen Law Firm, we understand how scary and confusing it is to navigate life after a car accident, and we are here to help. Below, we will walk you through everything you need to know concerning the car accident settlement process to help alleviate some of your concerns. 

However, this is an overview. If you have been in an accident and need to file a claim for your injuries, the best way to get through the process as easily and efficiently as possible is to contact an attorney directly. They can sit down with you during a free consultation to help you determine the best course of action for your circumstances. 

Contact our Indianapolis car accident lawyers today for help with your claim. 

What is a Car Accident Settlement?

Indiana is an at-fault state, which means if you are injured in an accident due to another party’s negligence, you can file a claim against them and their insurance company to recover compensation for the damages you have suffered. The process you will go through if you choose to file a claim is what’s known as the car accident settlement process. 

Specifically, a settlement is an agreement to settle a car accident that occurs between the injured victim and the negligent party (and their insurance company). This includes car damage settlement agreements and agreements concerning compensation for other damages, such as medical expenses, loss of income, emotional distress, pain and suffering, and more. 

The basic concept is that the guilty party and their insurance will be asked to pay compensation to the injured victim. This demand for compensation is what leads into the settlement process until a final agreement is reached. If the parties involved cannot reach an agreement, then the case may go to trial. 

How Does the Car Accident Settlement Process Work in Indiana?

Car accidents are scary, but the process of getting the compensation you need after doesn’t have to be difficult. Working with a lawyer can make things go much smoother and quicker. 

To help you better understand the process, we’ve provided a step-by-step guide below:

Step 1: Pre-Litigation

Before you start the settlement process, there are a few things that will need to take place. These include an investigation of the accident to determine what happened and who was at fault, gathering evidence, and documenting and calculating damages. 

This is when you will first start working with a lawyer, as they can help with the investigation, obtain evidence to prove what happened, and ensure your damages are fairly calculated. 

Step 2: Sending a Demand Letter

Once the investigation and other pre-litigation steps are complete, you will then need to send a demand letter requesting payment for the damages you suffered. This is an official letter that will be sent to the appropriate insurance companies, stating the amount you are owed. 

Writing a demand letter is a crucial part of the settlement process. It must include specific information, such as a description of the accident, details of your injuries and other damages you suffered, and liability. The letter needs to be clear and concise, which is why it’s best to work with a lawyer who can help you write it. 

You can find sample settlement letters for car accident cases online if you want a clearer picture of what these letters need to look like. However, it is not advisable to write a letter on your own without professional legal assistance. 

Step 3: Filing a Lawsuit

In response to the demand letter, the insurance company may do a few different things. They could accept the demands (this is rare), they could deny liability, or they could offer a counteroffer. 

If an acceptable settlement offer cannot be agreed upon, then you and your lawyer will file a lawsuit. The lawsuit serves the purpose of asking the court to order the guilty party and their insurance company to meet your demands for compensation. 

Step 4: Discovery

After a lawsuit has been filed, then the discovery phase will begin. During this time, both parties will share evidence and other information to prove their claim. There will also likely be a lot of questions you will have to answer for the defending party’s attorney, but your lawyer will prepare you for this. Witnesses may also be called upon during this phase to give testimony about what happened.

Step 5: Settlement Negotiations

After all evidence and information have been shared, you and your attorney will enter into negotiations with the other party until a settlement is reached. Your lawyer will help you understand whether an offer is fair, but it is ultimately your decision to accept or reject the insurance company’s offer. 

If an agreement is reached, your lawyer will accept on your behalf and obtain a check. In some cases, this process can happen relatively quickly. However, if there are still many disagreements over the settlement amount, then it can take much longer. 

Step 6: Go to Trial

If an acceptable settlement is still not reached after negotiations, then your lawyer can take your case to trial. This means the case will be held in court before a judge. Depending on the evidence and complexity of the case, a court trial can take a few days or a few weeks. Once both sides have presented their case in court, a judge will decide and render a verdict. 

Filing an Appeal After the Car Accident Settlement Process

It’s worth noting that a judge’s decision is not necessarily final. If you or the other party still disagree with the decision, an appeal may be requested. In this situation, the case will move to the Court of Appeals. If an error was believed to have been made, meaning there are real grounds for an appeal, then your case may be filed with an appellate court. 

Consult an Indianapolis Personal Injury Lawyer

At Crossen Law Firm, we have over 20 years of experience fighting for victims of car accidents in Indiana. We are prepared to walk you through the car accident settlement process and will fight tirelessly to ensure you are fully and fairly compensated for the damages you have suffered. Contact us today or give us a call for a free consultation at (317) 939-6800.

The post Car Accident Settlement Process: How Does it Work? appeared first on Crossen Law Firm.

If you suffered from a broken hand in a car accident that a negligent driver caused, you have every right to file a claim to recover compensation for your losses. Here’s what you need to know about broken hand car accident settlements. Further, you can contact the Indianapolis broken bone injury lawyers at Crossen Law Firm if you have additional questions or need expert legal support for your case. 

Common Hand Injuries After a Car Accident

The tremendous impact of a collision can easily fracture one or more of your 27 hand bones, and it takes much less force to break a hand bone than other areas, such as your leg or arm bones. 

While accidents often cause hand fractures, car accident victims may suffer from other hand injuries that range in severity. Common types of hand injuries after a collision include:

• Tendon damage: Your hands are composed of numerous tendons that connect your bones to your muscles, and a crash may harm and inflame these tendons. Your extensor tendons are especially vulnerable to injury, as they reside on the backs of your hands and fingers. An extensor tendon injury in the hand can affect your ability to straighten your hand and finger joints. 

• Joint dislocation: The impact of a collision may misalign the joints that connect your hand and finger bones. If left untreated, you may suffer from permanent damage and mobility problems. 

• Ligament tears: Your ligaments work to stabilize the joints within your hands. If a crash tears these essential components, you may require surgery. Otherwise, your hand may not heal properly, resulting in chronic pain. 

In addition to these hand injuries, you should be aware of the different types of hand fractures, as some broken hand injuries are far more serious than others. Types of hand fractures include:

• Stable fractures: A stable fracture occurs when the broken ends of the bone line up and remain in place. 

• Unstable fractures: An unstable fracture happens when the broken ends of the bone become misaligned, frequently requiring realignment surgery. 

• Comminuted fractures: A comminuted fracture is when a bone breaks into multiple fragments.  

• Open fractures: An open fracture, also known as a compound fracture, occurs when the broken bone penetrates the skin, which may lead to an infection. 

Symptoms of a Broken Hand From a Car Accident 

If you were recently involved in an accident, you need to be on the lookout for symptoms indicating a hand fracture or another type of hand injury. Common hand injury symptoms include:

• Intense pain
• Stiffness
• Trouble straightening or flexing your wrists or fingers
• Swelling
• Numbness 
• Weakness
• Tenderness
• Bruising
• Crooked or bent fingers
• Discoloration

If you suspect that you’ve suffered from a hand fracture or another injury, you should seek prompt medical attention.

Receiving Medical Treatment For a Broken Hand 

When you receive medical attention for your injury, your medical practitioner will likely diagnose your condition through an examination and diagnostic imaging tests, such as an X-ray, MRI, or CT scan.   

From there, your medical practitioner will prescribe treatment. If your condition is relatively minor, they may only prescribe RICE, the acronym for Rest, Ice, Compression, and Elevation, and nonsteroidal anti-inflammatory drugs. 

If you’ve suffered a severe break, such as an open fracture, you may face expensive treatments, including surgeries, medical devices, physical or occupational therapy, and ongoing treatment. 

Recovering a Car Accident Settlement after a Hand Injury

If you’ve suffered from a serious hand fracture, you may now face costly medical bills and other expenses. Fortunately, you can file a claim with the at-fault driver’s insurance company to recover compensation for your losses. 

To recover a broken hand car accident settlement, you must provide evidence supporting your claim. You’ll need to supply evidence proving that the at-fault driver was liable, which may include:

• Eyewitness statements
• Photographic and video evidence
• The police’s accident report
• Accident reconstruction expert testimony

You’ll also need to prove that you suffered losses as a direct result of the at-fault driver’s negligence. The types of evidence you’ll need to collect will depend on your specific damages. Depending on your unique case, this may include property damage, past and future medical bills, emotional distress, pain and suffering, loss of enjoyment of life, lost wages, and loss of future earnings. 

Some types of evidence you can use to prove that you’ve suffered losses include:

• Medical bills and records
• Photos of your injuries
• Doctor’s notes
• Expert medical testimony 
• Documentation indicating that you missed work due to your injuries
• Vehicle repair estimates
• Testimony from family and friends corroborating that your injuries have impacted your quality of life

How Much Compensation Will I Receive?

The amount of money you can expect to recover for your injured hand will directly depend on your losses. For example, if the injuries impact your ability to work, you can recoup money for your losses, assuming you can provide sufficient evidence. 

While some damages reimburse you for specific expenses, others compensate you for the physical, mental, and emotional discomfort that you’ve experienced. Determining reasonable compensation for these damages is far more challenging, but you can work with a personal injury attorney to ascertain how much to seek.

Contact an Indianapolis Broken Hand Car Accident Attorney Today

Enlisting the expertise of an experienced attorney will significantly increase your likelihood of recovering just compensation after your accident. In addition to helping you collect and present evidence on your behalf, your lawyer should negotiate with the at-fault driver’s insurance company to secure the highest settlement possible. 

For expert Indianapolis car accident attorneys, contact Crossen Law Firm, as we’ll work diligently to maximize your compensation. You can get started with your case today by calling 317-939-6800 or contacting us online here. 

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Every year, around 1.5 million victims suffer from traumatic brain injuries (TBIs) in the United States, with the most common type being concussions. A concussion is a mild type of TBI that’s caused by a blow to the head or a sudden jolt that disrupts the normal functioning of the brain. Although common, concussions can be incredibly serious, especially if a person sustains multiple concussions in their lifetime. 

Many of those struggling with this affliction can make a full recovery within only a few weeks. But some suffer from prolonged concussion symptoms and develop post concussion syndrome (PCS), also called post concussive disorder. Tragically, at least 15% of concussion victims develop this condition, and it can seriously impact a person’s physical and mental well-being. 

In this blog, we answer the question, “What is post concussion syndrome?” and we discuss what you need to know about the condition.

What is Post Concussion Syndrome?

Post concussion syndrome refers to the condition in which individuals continue to experience prolonged and persistent concussion symptoms following a head injury. 

Unfortunately, there’s a great deal that medical professionals don’t know about PCS, including what causes it, exactly. Victims may develop PCS as a result of structural damage to their brains, but some medical researchers believe that it’s a psychological condition caused by trauma. Further, some hypothesize that a combination of physical and psychological factors can result in PCS. 

How Do I Know If I Have Post Concussion Syndrome?

Regardless of its exact underlying cause, post concussion syndrome can manifest in serious symptoms. Those struggling with this condition often have prolonged concussion symptoms as well as other debilitating effects. Common symptoms include:

• Headaches
• Dizziness and vertigo
• Nausea
• Issues with balance
• Sensitivity to light and noise
• Fatigue 
• Changes in sleep patterns, including sleep disturbances
• Difficulty with concentration, memory, and other cognitive problems
• Changes in taste and smell
• Blurred or double vision
• Emotional changes
• Mood swings
• Ringing in the ears
• Depression
• Anxiety
• Apathy

You should seek medical attention immediately if you notice any of these symptoms after a head injury. If you experience three or more of the symptoms three months after your initial head injury, your doctor will likely diagnose you with post concussion syndrome. 

What Causes Post Concussion Syndrome?

Many different types of accidents can cause a victim to sustain a brain injury and develop post concussion syndrome. Some common accidents or events that can cause this condition include:

• Motor Vehicle Accidents: Car accidents, motorcycle accidents, and other collisions involving vehicles can result in concussions and, in turn, post concussion syndrome.

• Slips and Falls: Slips and falls on hard surfaces can cause head injuries and eventually post concussion syndrome. 

• Sports-Related Accidents: Contact sports, such as football, hockey, soccer, and basketball, carry a risk of concussions. Collisions, impacts, or falls during these activities can cause post concussion syndrome.

• Assault or Physical Altercations: Being punched, kicked, or struck in the head can result in a concussion and subsequent post concussion syndrome.

• Work-Related Accidents: Accidents that occur in occupational settings, such as construction sites, factories, and other work environments, can lead to head injuries and post concussion syndrome.

• Recreational Accidents: Activities like biking, skiing, snowboarding, and skateboarding can result in accidents that cause concussions and subsequent post concussion syndrome.

How Long Does Post Concussion Syndrome Last?

While most people recover from concussions within a few weeks, some individuals develop post concussion syndrome and continue experiencing symptoms for an extended period, such as weeks, months, or even years. Tragically, some victims may suffer from this disorder for the rest of their lives.

Factors that may impact the duration of your condition include the severity of the initial injury, your age if you’ve suffered from previous TBIs, and other underlying health conditions. 

Recovering Compensation for Post Concussive Disorder

If you’ve suffered from a concussion and have developed post concussion syndrome as a result of another party’s negligence, you can file a claim to recover money for past and future medical bills and other damages. Your condition may require expensive treatments that include imaging services, prescriptions, cognitive-behavioral therapy, and physical therapy, and you shouldn’t have to pay out of pocket for these expenses. 

Additionally, if you’re suffering from severe post concussion syndrome, you may struggle to work and earn a living wage. The persistent symptoms of post concussion syndrome, such as headaches, cognitive difficulties, and fatigue, can make it difficult to concentrate, remember information, and perform tasks effectively.

The condition may also seriously impact your ability to socialize and engage in pre-injury hobbies and activities. Plus, PCS’s symptoms may lead to or contribute to serious mental health conditions, such as depression and anxiety. 

Depending on your unique case and how the injury impacts your life, you may be able to recover damages for lost wages, loss of future earnings, emotional distress, loss of enjoyment of life, and pain and suffering. 

Contact an Indianapolis Brain Injury Attorney Today

If you’ve suffered from a collision or another type of accident that left you with a concussion and post concussion syndrome, you need to get in touch with a lawyer as soon as possible. 

For experienced head and brain injury attorneys in Indianapolis, contact Crossen Law Firm. We’ll work to get you the money you deserve for your injuries, and our team will negotiate on your behalf to maximize your compensation. 

You can get started with your case today by calling us at 317-939-6800, or you can contact us online here. 

The post What You Should Know About Post Concussion Syndrome After an Accident appeared first on Crossen Law Firm.

To help you stay safe, we’ve compiled a list of some of the most dangerous roads in Indiana. The best way to protect yourself is to be aware of the most dangerous areas and to practice defensive driving when on these roads. 

At Crossen Law Firm, we truly care about our clients. We have been helping the residents of Indianapolis and the surrounding areas for years with their car accident claims. If you’re injured in an Indiana car accident, don’t hesitate to contact us for assistance. 

The Most Dangerous Road in Indiana

Despite the efforts of the Indiana Department of Transportation, there are still countless accidents every year in Marion County and the surrounding areas. Fatal accidents on I-69 today in Indiana are particularly an issue, likely because this stretch of highway runs right through the middle of Indianapolis and connects it to other major cities, such as Fort Wayne, Bloomington, and Evansville farther south. 

However, despite the attention that I-69 gets, research shows that U.S. 41 is actually the most dangerous road in Indiana. Between 2008 and 2017, U.S. 41 saw over 100 accidents, which resulted in 111 fatalities. 

Other Dangerous Roads to Watch Out For

In addition to I-69 and U.S. 41, several other roads have earned the title of “most dangerous roads” in the state of Indiana based on data collected from 2018 to 2020. These include:

• 38th St. from N. Hawthorne Ln. to Cornelius Ave. in Indianapolis: 10 fatal accidents / 2.1 crashes per mile
• I-80 W from Exit 9 to Exit 3 in Hammond/Gary: 8 fatal accidents / 1.8 crashes per mile
• Madison Ave. from E. Murray St. to Lisa Walk Dr. in Homecroft/Indianapolis: 6 fatal accidents / 1.3 crashes per mile 
• Shadeland Ave. from E. 21st St. to Mill View Dr. in Lawrence/Indianapolis: 6 fatal accidents / 2.2 crashes per mile
• E. 21st St. from N. Audubon Rd. to Snead Cir. in Indianapolis: 5 fatal accidents / 1.0 crashes per mile
• I-65 from Exit 9 to Exit 5 across Clarksville/Jeffersonville/Sellersburg: 5 fatal accidents / 1.1 crashes per mile 
• E. 30th St. from Bavarian Dr. to N. Bolton Ave. in Indianapolis: 5 fatal accidents / 1.2 crashes per mile
• I-30 W. from Tower Rd. to W. 600 N. in Valparaiso: 4 fatal accidents / 0.8 crashes per mile
• W. Dunes Hwy. from Furnessville Rd. to N. Mineral Springs Rd. in Chesterton/Porter: 4 fatal accidents / 1.4 crashes per mile

How to Protect Yourself After an Accident in Indiana

Numerous things can cause a road to be dangerous and see more accidents, such as lack of maintenance, poor road or intersection design, and traffic congestion. However, it is often the behaviors of drivers in the area that contribute to higher rates of traffic accidents.

As such, it’s important to practice safer driving habits to avoid accidents on these roads, such as:

• Taking care during times of reduced visibility (i.e., dusk, night time, rain/snow/fog)
• Driving defensively (keeping an eye out and staying prepared for other bad drivers)
• Paying strict attention to all road signs and traffic lights
• Watching for pedestrians or bicyclists
• Slowing down at intersections
• Avoiding driving distractions
• Always coming to a full stop at red lights and stop signs
• Using turn signals any time you need to indicate a turn

If you do get into an accident, you can protect yourself by working with a lawyer. The damages you sustain in a severe accident on a dangerous road can severely impact your life, but a lawyer can help.

By working with an attorney, you can successfully bring a claim against another driver for compensation, which can be awarded for:

• Medical expenses
• Lost wages
• Property damage
• Physical pain & suffering
• Emotional distress
• And more

An experienced lawyer in your area will be familiar with the most dangerous roads in Indiana and how to handle claims for accidents that occur in these locations. But most importantly, they will be able to help you build a strong case so you can be fully and fairly compensated for all that you have suffered. 

Consult an Indianapolis Personal Injury Lawyer

At Crossen Law Firm, we have over 20 years of experience fighting for car accident victims. If you’ve been injured in an accident on one of Indiana’s most dangerous roads, we can help. Our team will protect your rights, investigate the accident, help you obtain evidence to support your claim, and ensure you are awarded the fair settlement you deserve. 

Contact us today or give us a call for a free consultation at (317) 939-6800.

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As delivery services become increasingly popular, especially those offered by Amazon, we commonly hear things like “an Amazon driver hit my car” or “Amazon damaged my property.” And while these situations may be frustrating, you may be entitled to compensation that can help you pay for damages, such as property damage or medical bills for injuries. 

However, filing a claim against large companies like Amazon is not easy. Though you may be entitled to compensation if an Amazon delivery driver was at fault for the accident, getting Amazon’s insurance to hand over the compensation you deserve is challenging. 

At Crossen Law Firm, our legal team has years of experience handling cases dealing with delivery service accidents, including those involving Amazon drivers. If an Amazon driver hit your car and caused you injuries, we can help. Don’t hesitate to reach out to one of our Indianapolis accident lawyers for assistance. 

How to Report an Amazon Delivery Driver

Amazon does provide a customer service hotline (1-888-280-4331) for those who witness or experience an accident involving one of their drivers. You can also visit this Amazon logistics website for more info about how to report an Amazon driver. 

The number can be called whether you were in an Amazon van accident, an Amazon truck accident, or any other kind of accident with an Amazon delivery vehicle. However, this number is just their general customer service line, meaning you will have to sit through the prompts until you are given the option to speak to a live agent. Once you reach a live agent, you can then report the incident. 

But as is customary with Amazon, they make it very difficult to contact a live person to report an issue. So if you are in an emergency, your best bet is to call 911. 

911 operators will send help immediately, whereas if you call the Amazon number, you will likely be waiting for someone to answer, and even then, they will not send help. The purpose of calling Amazon is simply to report the issue so they can file an incident report. 

An Amazon Truck Hit My Car: Who Do I Call?

Whether you are involved in an accident with an Amazon semi-truck or an Amazon van out making deliveries, your first call should be to the police, especially if it is an emergency and there are injuries. You should not delay by calling the Amazon customer service line as it could take too long to reach a live person, and they will not send help. If help is needed, you should call 911 immediately. 

However, after you have called 911, there are other steps you can take, including calling Amazon to report the incident. These steps are very important as they can help you win your case should you decide to file a compensation claim. 

If an Amazon driver hit your car or you were injured by an Amazon driver in any other way, follow these steps:

1. Call 911 and make sure the police arrive, and file an official police report. 
2. Have the police send medical responders if you or anyone else in the accident have injuries.
3. Exchange information with the Amazon driver. Make sure you get their name, their insurance information (personal or through Amazon), their contact information, and the license plate number for the truck. 
4. Gather evidence from the accident, such as photos or videos of the accident, the damage to your vehicle, and your injuries.
5. If there are any witnesses, ask for their contact information so they can give a statement about what they saw, if needed. 
6. Seek medical treatment. If you did not get treated at the scene of the accident, you should still see your doctor or go to an ER to get checked out. Again, medical documents that prove you were injured will help you win your case. 
7. Notify your insurance and Amazon of the accident. This is when you can call the Amazon number to report the accident. However, keep in mind that you should avoid admitting fault or saying anything that can be used against you by Amazon to deny your claim. 
8. Contact a lawyer. If you are concerned about speaking to Amazon yourself, you can let your lawyer handle it. In fact, it’s best if you don’t speak to anyone about the accident before contacting a lawyer. 

How Amazon Accident Claims Work

The issue with claims against Amazon is that most of their drivers are hired as independent contractors. Amazon hires its drivers this way because it is cheaper for them and allows them to get out of taking responsibility for accidents. How your accident claim works will depend on the situation. 

If the driver that hit you was at fault for the accident and they are an official Amazon employee, then you will likely be able to file a claim directly against Amazon. Still, Amazon will likely try to fight this, and recovering compensation from their insurance will not be easy. 

If the Amazon driver that hit you is contracted through another carrier, Amazon will direct you to contact that carrier instead to file a claim. You can find a list of the carriers they work with and the numbers to contact them here. 

However, if the driver that hit you is an independent contractor for Amazon, then you will have to file a claim with that driver’s insurance company. Unfortunately, many of these drivers only carry the minimum liability coverage on their policy, meaning they might not have enough to cover your damages. If this is the case, you may then need to rely on your own insurance using underinsured (UI) motorist coverage to cover the rest of your expenses. 

The exception is if the driver is employed through Amazon’s Flex driver program. Amazon does provide a commercial auto insurance policy for these drivers. However, the drivers must also carry their own liability insurance. If a Flex driver hits you, you will first file a claim with the driver’s insurance. Once that coverage is exhausted, then Amazon’s commercial policy will kick in and cover the rest. 

Consult an Indianapolis Personal Injury Lawyer

No matter the situation (whether you are filing a claim directly against Amazon, a third-party carrier, or the Amazon driver’s insurance), the situation can be confusing and complex. The best way to ensure you win your case and are fairly compensated is to work with an attorney with experience handling cases involving Amazon delivery drivers.  

At Crossen Law Firm, our team has years of experience fighting for the victims of car accidents, including those involving delivery drivers. We are dedicated to working tirelessly to get you the compensation that you need. 

Contact us today or give us a call for a free consultation at (317) 939-6800.

The post An Amazon Driver Hit My Car, Who Should I Call? appeared first on Crossen Law Firm.