In 2008, over 200,000 collisions occurred on Indiana roads, resulting in over 700 fatalities. Even in less severe collisions without bodily injuries, property damage resulted in nearly every case. Many laws exist to protect victims of motor vehicle collisions, and the qualified and experienced attorneys at Ramey & Hailey help accident victims recover for their losses.
Motor vehicle accidents can involve more than just single or multiple-car collisions. Accidents can also involve motorcycles, bicycles or pedestrians. Crashes involving large trucks and commercial vehicles can be especially destructive. See our trucking and common carrier pages for more details on accidents involving these types of vehicles.
Every driver in Indiana is required to carry automobile insurance. The state of Indiana requires minimum liability coverage of 25/50/10:
- At least $25,000 for bodily injury to one person
- At least $50,000 for all bodily injuries
- At least $10,000 for property damage
In addition, each new policy must include uninsured and underinsured motorist coverage, unless specifically rejected by the insured in writing. Minimum coverage requirements are similar to the liability limits described above. With this type of coverage, your insurance company will compensate you even if the other driver was at fault and did not have insurance.
Tort law covers injury to you due to the intentional or negligent acts of another. While there are many different theories of recovery, or torts, the most common grounds for recovery in motor vehicle accidents is negligence. Liability for negligence occurs when one person breaches a duty of care to another and injury results. In operating motor vehicles, every person owes a duty to others to operate these vehicles with ordinary and reasonable care.
A more specialized branch of tort recovery is products liability, which allows consumers to recover against manufacturers or even retailers of faulty or dangerous products. The “crash-worthiness” of a motor vehicle implicates products liability, and recovery can be had if the vehicle was designed or built improperly so as to make it unduly unsafe in the event of a collision.
Ramey & Hailey works extensively on accidents resulting in catastrophic or permanent loss involving driver and equipment error. When insurance isn’t enough to compensate for your loss, our firm is there to see you get the recovery you deserve. If you or a loved one has been injured in a motor vehicle accident, contact our office to schedule a consultation to discuss your options.