Plainfield Personal Injury Protection Lawyer
The legal theories that are used to determine liability for car accidents are decided on a state by state basis. Indiana, for example, is a fault-based liability state, which means that car accident victims can recover compensation for crash-related losses from the person who caused the collision or his or her insurer. No-fault states, on the other hand, only allow injured parties to file a claim against an at-fault driver if that person exceeds the limits of his or her own Personal Injury Protection (PIP) policy.
Although not technically required (like no-fault states) to obtain PIP insurance, which covers the cost of all accidents, regardless of who caused them, many Indiana motorists choose to do so. However, collecting on these policies isn’t always a simple process, making it especially important for those who have been injured in a car accident and who are filing a claim with an insurer, to speak with an experienced Plainfield personal injury protection lawyer who can help them file a claim or appeal a denial.
Minimum Insurance Limits
Drivers in Indiana are required to carry a minimum level of liability insurance to cover the cost of physical injuries and property damage sustained in a collision. These limits include:
- At least $25,000 for Bodily Injury Liability;
- At least $50,000 for Bodily Injury Liability per accident; and
- At least $10,000 for property damage.
Unfortunately, the cost of even a minor car accident can easily exceed these limits, in which case, an at-fault driver could be held personally liable for the remaining amount. For this reason, many drivers choose to obtain additional coverage, including Personal Injury Protection (PIP) policies, under which insurers must pay for medical payments and lost wages up to the policy’s limits, regardless of who caused the accident.
PIP Policy Coverage
In no-fault liability states, PIP policies are often the only means of recovery for those who are involved in car accidents. This is not the case in Indiana, where these policies are often referred to as Med-Pay policies and provide coverage for injuries sustained by anyone riding in a policyholder’s vehicle at the time of an accident. Other types of coverage that are often extended to injured parties through their PIP policies include:
- Medical expense benefits, like charges for medical, hospital, and surgical bills, as well as nursing and ambulance services, and X-rays;
- Rehabilitation expense benefits, including compensation for psychiatric, physical, and occupational therapies;
- Work loss benefits, which provide coverage for lost wages up to a specific limit for a certain amount of time after an accident;
- Funeral expense benefits, which cover the cost of a funeral, burial, and cremation; and
- Survivor loss benefits, which provide compensation to surviving spouses and dependents for the death of a loved one.
If you have questions about which of these types of benefits you could qualify for, please reach out to our office today.
Schedule a Free Consultation with a Member of Our Plainfield Legal Team
To speak with an experienced Plainfield PIP lawyer about your own options for recovering car accident-related losses, please call Keffer Hirschauer LLP at 317-455-4043 or send us an online message today.