Is Indiana a no-fault accident state?

No, Indiana is not a no-fault state. Indiana is an at-fault (or “tort”) state. That means the driver who causes an accident uses their insurance to pay for the other driver’s bills from the collision. Police and insurance companies use the available evidence to decide who is at fault for the accident.

Is Indiana a PIP state?

Personal Injury Protection Coverage Since Indiana is a fault-based state, it is not legally required to maintain a minimum amount of PIP insurance. However, many people do choose to purchase some amount of PIP insurance for extra protection. Adding this coverage can help fill the gaps in other forms of insurance.

What happens if you get into a car accident in Indiana without insurance?

If you get into a car accident in Indiana without insurance, then your fate depends on who was at fault: If the other driver was at fault, then you can file a claim with the other driver’s insurance company. If you were at fault, then you likely cannot file a claim. Indiana is a fault state.

Can you file an insurance claim in Indiana?

Indiana is a fault state. This means that when drivers are in an accident, they have three options for recovering damages: Filing a claim with their own insurance company (if they were at fault or if the other driver was at fault but didn’t carry enough insurance)

What happens if you get injured in a car accident?

Personal Injury Settlements. If you have been injured in a car accident, you can receive compensation for medical bills, lost wages, and related expenses from either your car insurance company or the other driver’s insurance company, depending on who was at fault.

Can a car insurance company pay for pain and suffering?

You still may be eligible for compensation for your injuries and pain and suffering. Remember that auto insurance companies dislike paying personal injury settlements, whether they are for $5,000 or $50,000. They will search for ways to deny your claim or lowball you.