Indianapolis Insurance Claims Lawyer
When you are injured in an accident caused by another party’s negligence, you are likely starting to think about filing an insurance claim. Indeed, many accident victims who are seeking compensation will begin this process by filing an insurance claim and working with an experienced Indianapolis insurance claims lawyer to seek a fair and reasonable settlement from the insurance company. In some cases, when an insurance claim does not result in an injured party obtaining the full amount of compensation that she or he deserves, it may be time to seek financial compensation by filing a personal injury lawsuit.
When it comes to motor vehicle collisions, Indiana is an at-fault or tort state. What this means is that the injured party can have options in terms of filing an insurance claim. Ultimately, you should seek advice from an experienced personal injury attorney any time you are filing an insurance claim to seek compensation after an accident or injury.
Filing a First-Party or Third-Party Claim in Indianapolis
If you were injured in an accident and are planning to file an insurance claim, you may be in the position of deciding between a first-party and a third-party insurance claim. Under Indiana law, a person who is injured in an auto collision caused by another party’s negligence may be able to decide to file either a first-party claim through his or her own insurance company, or a third-party claim through the at-fault driver’s insurance company. There are benefits and limitations to both approaches.
With a first-party claim, depending upon your injuries and losses, you may need to pay a deductible up front, but your payout will not be limited by insurance liability limits if multiple parties were injured in the crash. With a third-party claim through an at-fault driver’s insurance policy, you will not be required to pay a deductible, but the claims process can take more time, and you could be denied full compensation if insurance liability limits come into play. What are insurance limits? Indiana law requires drivers to carry $25,000 in bodily injury coverage per person, and $50,000 total per accident. If a motorist only carries the minimums and causes a crash involving multiple vehicles with multiple personal injuries, $50,000 may be insufficient to cover all of those losses.
If you carry uninsured or underinsured motorist coverage and the collision involves an uninsured or underinsured motorist, you will likely seek compensation through your policy.
Filing an Insurance Claim in Other Types of Accidents and Injuries
Other kinds of accidents and injuries can result in successful insurance claims. For example, dog bite injuries, as well as slips and falls and other premises liability accidents, may allow you to seek compensation by filing an insurance claim. Regardless of the type of insurance claim you are filing after an injury, it is critical to have an Indianapolis injury lawyer on your side to assist you with negotiations. If necessary, we can discuss your options for moving forward with a lawsuit after an insurance claim.
Contact an Indianapolis Insurance Claims Attorney
If you were injured and need assistance with an insurance claim, one of the aggressive Indianapolis insurance claims lawyers at our firm can speak with you today about your options for seeking the compensation you deserve. Contact Keffer Hirschauer LLP to learn more.