What You Need to Know About Car Accident Laws in Indiana

Car accidents of varying degrees of severity frequently occur across the United States. Here’s everything you need to know about car accident laws in Indiana.

Car accident laws regarding post-accident requirements, insurance, and civil lawsuits vary across states. Under Indiana’s car accident laws, drivers must take specific steps following auto accidents to comply with state law and potentially seek compensation in court.

What To Do After a Car Accident in Indiana

According to the Indiana Driver’s Manual, Indiana drivers involved in car accidents should take the following steps:

1. Stop immediately or as close to the accident site as possible.

The driver may move while staying close to the scene if the accident occurs on a highway. However, drivers should not relocate their vehicle if the accident involves injury, death, entrapment, or hazardous materials.

2. Provide reasonable assistance.

If the accident causes another person injury or death, the driver must reasonably assist them. The driver should contact law enforcement about the incident as soon as possible.

Related: How to File a Car Accident Claim With Allstate

Under Indiana law, drivers must also provide their name, address, vehicle registration number, and driver’s license information to anyone involved in the accident.

3. Provide a Certificate of Compliance to the BMV.

After the car accident, the Indiana BMV will ask the driver for proof of financial responsibility. The driver’s insurance provider must electronically file a Certificate of Compliance to prove you had an adequate insurance policy at the time of the accident.

Indiana Statute of Limitations for a Car Accident Lawsuit

Under Indiana law, drivers have two years to file civil lawsuits for injuries to their person or property. Drivers must file within this time limit to seek compensation for any injuries or losses sustained in a car accident.

Is Indiana a No-Fault State for Car Accidents?

Indiana is not a no-fault state for car accidents. No-fault auto insurance requires insurance companies to compensate policyholders for losses from auto accidents regardless of who is responsible for the accident. Indiana is an at-fault state, meaning the at-fault driver’s insurance will have to cover damages from the accident.

Grounds to File a Car Accident Lawsuit in Indiana

Indiana drivers who suffer injuries or losses due to another’s actions may file personal injury lawsuits against at-fault parties. Outside of pursuing a civil case, drivers who experience auto accidents can file claims with their insurance carriers (either their own or those of the at-fault drivers).

Who’s at Fault in a 3-Car Accident in Indiana?

In multiple-vehicle collisions, more than one individual will likely share some fault. Indiana law establishes a modified comparative negligence system. Under this negligence system, each defendant can claim damages minus the amount proportional to their degree of fault.

Related: What Happens When Your Car is Totaled?

In cases with two or more defendants, claimants cannot recover damages if their fault exceeds that of all persons involved in the accident.

FAQs About Indiana Car Accident Laws

What happens if you hit an unattended vehicle?

Drivers who hit an unattended vehicle or other property in Indiana should stay at the scene of the accident and notify the owner. The driver must call law enforcement to provide information if this is impossible.

What is Indiana’s minimum liability protection requirement?

According to the Indiana BMV, drivers must meet the following minimum insurance requirements:

  • $25,000 coverage for bodily injury or death of one individual
  • $50,000 coverage for bodily injury or death of two or more individuals
  • $25,000 coverage for property damage in one accident

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If you or a loved one would like to learn more about Indiana Car Accident Laws, get your free consultation with one of our Personal Injury Attorneys in Indiana today!