Indiana Car Accident Law

Indiana Car Accident Fault

Indiana has adopted has adopted the Proportional Comparative Fault at 51% standard of negligence. Proportional Comparative Fault at 51% means that if the injured party is 51% or more at fault in the car accident, he is absolutely barred from recovery for the other driver’s negligence.

INDIANA CAR INSURANCE REQUIREMENTS AND LIMITS

Indiana Bodily Injury Liability Minimum Coverage

Personal Injury (single passenger): $25,000 in coverage for injury to an individual.

Personal Injury (multiple passengers): $50,000 in coverage for the driver and passengers in the car at the time of the accident.

Property Damage: $10,000 of minimum coverage.

Indiana Small Claims Limit: Car accident claims under $6,000 should be filed in Small Claims Court.

Indiana Personal Injury Statute of Limitations: The statute of limitations for personal injury claims in Indiana is 2 years from the date the injury occurred, or the time the injury was discovered if it could not have been immediately discovered.

Indiana Statutes Online: Indiana Code § 34-11-2-4 (Statute of Limitations for Personal Injury); Indiana Code § 27-9-8 (Insurance Requirements); Indiana Code § 33-34-3-2 (Small Claims Limits).

INDIANA CAR ACCIDENT REPORTS

Indiana Police Reports: You can request a copy of a car accident report by contacting the local police department where the car accident occurred.

DMV: After a car accident, compete and submit an Indiana Operator’s Proof Of Insurance Crash Report SR21 - State Form 52441 with the Indiana Bureau of Motor Vehicles within 10 days of the accident. Alternatively, ask your insurance company to file this Crash Report. All car accidents must be promptly reported to law enforcement authorities if there is property damage of $1,000 or more, or if the car accident resulted in fatalities or injuries.

Insurance Notification: You should promptly notify your auto insurance company of a car accident as soon as possible, and ask the insurance company to file Indiana Operator’s Proof Of Insurance Crash Report SR21 - State Form 52441 within 10 days of the accident. Additionally, your insurance company may have specific notification requirements, so you should check your insurance policy for these notice requirements.