Carmel Personal Injury Protection Lawyer
Between 45,000 and 50,000 people in Indiana are injured in car crashes, truck collisions, and car versus bike or pedestrian collisions every year, according to Indiana Traffic Safety Facts. These injuries range from moderate to life-threatening, while around 900 are killed each year here in Indiana. There are various forms of financial protection that drivers and other road users can employ in the event they become injured in a traffic collision: personal health insurance, the other party’s insurance policy, their own uninsured or underinsured motorist policy (UM coverage), workers’ compensation (if you get injured in a traffic incident while on the clock for work), and finally PIP insurance. At Keffer Hirschauer LLP, our Carmel Personal Injury Protection lawyers can help you file a PIP claim.
What is PIP Insurance?
Personal Injury Protection (PIP) insurance is no-fault insurance that the policyholder can use in the event of any type of traffic injury. Whether you, as the policyholder, or another party caused the crash, your PIP insurance can help pay your medical bills, lost wages, housekeeping, childcare costs.
Is PIP Insurance Necessary?
Indiana is a fault-state when it comes to traffic collisions. This means that one or more parties must be found liable for an insurer to pay out. As such, PIP insurance is not necessary; every driver must hold property damage and bodily injury liability insurance. However, PIP insurance can be useful. It becomes useful if the other, at fault, driver does not have insurance. In Indiana, nearly 17 percent of drivers have no insurance at all, according to the Insurance Information Institute. Even more have minimal, inadequate insurance policies that simply cannot cover a victim’s damages if the injuries are severe. You can also be paid out much faster by your PIP policy than in a traditional personal injury lawsuit.
Can I File a Personal Injury Claim Against the At-Fault Party, and Use My PIP Policy Also?
You can file a lawsuit against the at-fault driver even if you file a PIP claim. In fact, it is recommended that you always file a claim against the other, at fault, driver even if you have PIP insurance, because PIP does not cover full medical expenses, pain and suffering, full lost wages, and many of the other damages that a personal injury lawsuit against the other party will cover. Damages in a personal injury lawsuit include:
- Medical expenses and future medical needs;
- Pain and suffering;
- Full lost wages and reduced earning capacity;
- Emotional distress;
- Loss of joy of life;
- Property damage; and
Our Carmel Personal Injury Protection and Personal Injury Lawsuit Attorneys Can Help
Here at Keffer Hirschauer LLP, our Carmel Personal Injury Protection attorneys can help you file a PIP claim, uninsured or underinsured motorist policy claim, and/or a personal injury claim against the other party. By working with an experienced attorney, your chances of being fully and fairly compensated for all of your serious damages are greatly increased. We urge you to discuss your case with a personal injury attorney before talking to the other party or their insurance company. Call our Carmel offices today at 317-455-4043 to schedule a free consultation.