Fishers Personal Injury Protection Lawyer
Indiana is a tort state, which means you are not required to carry Personal Injury Protection coverage as you do in a no-fault state. However, you should still consider purchasing coverage if your budget allows. If you are in an accident, Personal Injury Protection (PIP) coverage can provide immediate medical coverage for your injuries. This coverage is beneficial as you don’t have to worry about your initial medical expenses while negotiating with the at-fault party’s insurance. If you need assistance with a PIP claim, contact a Fishers personal injury protection lawyer.
At Keffer Hirschauer LLP, our dedicated personal injury lawyers are here to help you with all your PIP claim needs. We can answer any questions you have and discuss the different forms of auto insurance that may apply when you are injured in an auto accident.
What is Personal Injury Protection Coverage?
PIP coverage will pay medical expenses for you and any passengers in your vehicle, regardless of who was at fault in the accident. Some policies may also cover other costs related to the accident, such as loss of earnings or childcare expenses if your injuries prevent you from working or caring for your children.
Choosing to purchase PIP coverage can help bridge the gap in other forms of coverage. One example is where the at-fault driver only had minimum liability coverage, and your medical expenses exceed that. Your insurance policy could pay for some of those medical expenses, up to your policy limits.
You can purchase different amounts of PIP coverage. How much you need depends on several factors:
- What other available forms of insurance you have available, including your health insurance;
- What your deductible, co-pays, and out of network costs are;
- What your other insurance limits are;
- What the amount of coverage you believe is necessary in the event of a serious auto accident.
If you file a claim for PIP benefits, you are not prohibited from filing a third-party claim against the at-fault party. If you file a third-party liability claim for your injuries, you might be eligible to receive compensation for your:
- Medical expenses to date;
- Future medical expenses;
- Loss of earnings;
- Future loss of earning capacity;
- Property damage; and
- Pain and suffering.
Your insurance company may also pursue a claim for any payments they made under your PIP coverage. This process is known as a subrogation claim.
Indiana Liability Insurance Requirements
Because Indiana is a fault-based insurance state, all drivers must carry a minimum amount of liability insurance. The required liability limits in Indiana are:
- $25,000 per person for bodily injury liability;
- $50,000 per accident for bodily injury liability; and
- $10,000 per property damage.
Your liability coverage will only pay for damages to another driver if you are at fault. If the other driver were 100% at fault for the accident, your liability insurance would not pay for their damages.
Contact a Fishers Personal Injury Protection Lawyer
If you have questions about Personal Injury Protection, or any other auto insurance coverage, contact Keffer Hirschauer LLP today to schedule an initial consultation. Our Fishers personal injury lawyers are here to help protect your rights and help you fight for the compensation you deserve after an auto accident.