If you’ve been injured in a car crash in Indiana, the aftermath can feel chaotic and confusing. Between insurance claims, medical care, and missed work, it’s easy to get overwhelmed. The first crucial step is to open a claim with the at-fault driver’s insurance company by providing basic information about the crash and damages. However, just having an insurance card doesn’t guarantee coverage—issues like unpaid premiums or excluded drivers can delay or derail your claim. Once coverage is confirmed, expect to interact with multiple adjusters, each with their own agenda. These adjusters don’t work for you, and their goal is to minimize payouts, not ensure fairness.
Insurance companies begin evaluating your claim from day one, often assigning a secret “reserve” amount they hope to pay as little of as possible. Their investigations will look into both fault and the extent of your injuries, which is why it’s important to protect your narrative—avoid giving recorded statements or signing blanket medical releases without legal advice. Adjusters rely on software and internal policies to offer settlements that are typically far below what a claim is truly worth. To build a strong case, you’ll need documentation like medical records, proof of lost income, and consistent treatment. Most importantly, Indiana law limits personal injury claims to a two-year window, so seeking legal counsel early can preserve your rights and significantly improve your outcome. The Marc Lopez Law Firm is ready to help you fight for the compensation you deserve.
