Navigating the Insurance Claims Process After a Car Accident in Indiana

A car accident can turn your life upside down in an instant. Between injuries, vehicle damage, and missed time from work, the aftermath often feels overwhelming. One of the most important steps after a crash in Indiana is navigating the insurance claims process. Understanding how the system works—and when to seek help from experienced Elkhart car accident lawyers—can make a major difference in protecting your rights and securing fair compensation.

Reporting the Accident

Indiana law requires you to report any accident that results in injury, death, or significant property damage. Typically, this means calling the police to the scene so an official report can be filed. That report becomes an essential piece of evidence when filing your insurance claim.

Filing an Insurance Claim

After the crash, you should notify your insurance company promptly. Indiana is a fault-based state, which means the driver who caused the accident (and their insurer) is responsible for covering damages. You can file a claim:

• With your own insurance company (first-party claim), or
• Directly against the at-fault driver’s insurance company (third-party claim).

Your attorney can help determine which option best protects your interests.

Determining Fault in Indiana

Indiana follows a modified comparative fault rule. If you are found to be partially at fault for the accident, your compensation may be reduced by your percentage of fault. For example, if you are 20% at fault and your damages are $100,000, you may only recover $80,000. Importantly, if you are more than 50% at fault, you cannot recover compensation. Insurance companies often use this rule to minimize payouts, which is why having legal representation is critical.

What Insurance Typically Covers

An insurance claim may provide compensation for:

• Vehicle repairs or replacement
• Medical bills and future care costs
• Lost wages due to time off work
• Pain and suffering, in some cases

However, insurers often try to settle for less than what your claim is truly worth.

Common Challenges in the Claims Process

Dealing with insurance adjusters can be frustrating. Accident victims often face:

• Delays in processing claims
• Disputed liability or fault
• Lowball settlement offers
• Pressure to accept a quick payout before the full extent of injuries is known

This is where having skilled Elkhart car accident lawyers on your side can make all the difference.

How Wilson & Kinsman, LLC Can Help

At Wilson & Kinsman, LLC, we represent car accident victims throughout Indiana, including Elkhart. Our attorneys know how to:

• Investigate accidents and gather strong evidence
• Negotiate aggressively with insurance companies
• Protect you from unfair blame under Indiana’s comparative fault laws
• Fight for the maximum compensation you deserve

Key Takeaways

• Indiana is a fault-based state—the at-fault driver’s insurance typically pays.
• Your recovery may be reduced if you share fault, and barred if you’re more than 50% responsible.
• Insurance companies often undervalue claims, making legal guidance essential.
• Wilson & Kinsman, LLC has the experience to protect your rights and pursue full compensation.

Talk to Our Skilled Elkhart Car Accident Lawyers at Wilson & Kinsman, LLC Today

If you’ve been in a crash in Northern Indiana, don’t face the insurance companies alone. Contact Wilson & Kinsman, LLC today for a free consultation with our experienced Elkhart car accident lawyers. We’ll guide you through the claims process and fight for the compensation you deserve. Call 574-522-1900, book online now, or submit a form. Located in Elkhart and South Bend, Indiana, we serve clients in St. Joseph County and throughout the state.