If you’ve been in a car crash in Indiana, it’s critical to know what damages you’re legally entitled to before accepting any settlement. Insurance companies often focus on minimizing payouts, but understanding your rights can significantly boost your compensation. Victims may claim six main categories of damages: property damage (including personal items in the vehicle), medical expenses, lost wages, pain and suffering, loss of consortium (in cases where a marriage is affected), and permanent injuries or disfigurement. Each category has specific documentation requirements, from medical receipts to pay stubs and personal journals. Knowing how to present these claims is key to ensuring a fair settlement.
While many crash victims inquire about punitive damages—extra money awarded to punish the at-fault driver—these are extremely rare in Indiana and often don’t benefit the injured person directly. Insurance usually won’t cover them, and even if awarded, a significant portion may go to the state. That’s why victims should focus on the six core types of damages insurers are required to pay. Navigating these claims alone can lead to missed opportunities for compensation, but working with an experienced Indiana injury attorney—like the Marc Lopez Law Firm—can help maximize your payout and level the playing field against insurance companies.
