Indiana Injury Lawyer Blog

Under most circumstances, accident victims who are injured receive medical care as a result of these injuries. When obtaining that medical care, it is recommended that accident victims use all available resources to pay for that medical care. This would include submitting bills to their health insurance company, as well as to their own automobile insurance company if they have medical payments coverage.

It is important to remember that accident victims who receive the medical care are responsible for making sure their bills are paid, even if the treatment was caused by someone else’s fault. If the accident victim obtains a settlement or recovery from the at fault party, the injured victim’s insurance company may be entitled to reimbursement of the medical bills it paid on that person’s behalf. However, it is in the accident victim’s best interests to use all available insurance to pay their bills as they are incurred, including their own health insurance.

Under Indiana law, every vehicle must carry a minimum of $25,000 liability insurance coverage per person and $50,000 per accident. In addition, auto insurers are required to offer uninsured and underinsured motorists coverage in an amount equal to the liability coverage. It should be noted that these are only the minimum limits that Indiana drivers are required to carry. In many circumstances, these limits do not provide sufficient coverage to compensate accident victims for their damages. Therefore, we recommend Indiana drivers obtain as much liability and uninsured motorist coverage as possible. Indiana motorists should talk to their insurance agent to determine the cost and advantages of higher limits of insurance coverage.