Your insurance premiums may not go up if someone else hits you and causes a car accident in Indiana. Indiana uses “fault” rules to handle liability for car accidents, so your insurance company should not have to pay for your losses, and your rates should remain the same in most cases.
However, some insurance companies may increase your premiums. This decision depends on the terms you agreed to when purchasing your policy. An Indiana car accident lawyer can provide you with more information about the effects of a crash on your insurance rates.
What Happens to Your Insurance if Someone Else Hits Your Vehicle?
In many cases, nothing happens to your insurance rates if someone else stricks your vehicle. This information can help you answer the question, “Will my insurance go up if I am not at fault in a car accident in Indiana?”
Your insurance will likely stay the same as long as an Indianapolis personal injury lawyer can show that someone else caused the crash, your injuries, and your financial losses. Therefore, it’s essential that you reach out to an attorney immediately for professional help.
The liable party may try to blame you for the crash to avoid covering your losses, which could impact your insurance policy.
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Can Your Insurance Go Up if You’re Not At Fault in an Indiana Car Accident?
Your insurance may still increase in some situations, even if someone else causes the collision. The reasons for this increase can vary. However, in some cases, the company will raise your premiums if:
An Uninsured Driver Struck You
In some cases, an uninsured driver will hit your vehicle. Indiana requires all drivers to carry auto insurance, but some people ignore this regulation.
Your insurance may kick in to cover your losses in this situation if you have an underinsured or uninsured motorist policy. If your insurance company has to pay for your losses, it may result in a rate increase.
You can learn more about what happens if the at-fault driver in an accident does not have insurance with an attorney.
The Accident Caused High Losses
In some cases, your insurance company may have provisions in your policy to increase your rates if someone else causes a crash that results in severe losses. An attorney can review your policy to see if these terms apply.
Someone Caused the Crash While Driving Your Vehicle
Generally, car insurance in Indiana follows the car, not the driver. Therefore, if you lend someone your car and they cause an accident, your insurance policy may kick in to cover the losses of the other people involved in the crash.
For example, parents often allow their teenagers to drive their vehicles. Your insurance will probably cover the losses if your teenager hits another car. In this situation, your premiums may increase, even if you did not directly cause the crash.
How do You Prove You’re Not at Fault for an Indiana Car Accident?
You may need to work with a lawyer to gather evidence that shows someone else caused your car accident in Indianapolis. An attorney may need to show that someone else owed you a duty of care, failed to uphold that duty, and directly caused your crash.
Depending on your circumstances, a lawyer may need to:
- Visit the location where your crash took place
- Get witness statements from eyewitnesses
- Collect copies of the police accident report
- Look for photos and videos showing the collision
You can help your attorney establish another party’s fault by getting contact details from everyone at the crash site, writing down what happened, and taking pictures of your injuries and the damage to your vehicle.
The At-Fault Party May Need to Cover Your Losses
If your lawyer can prove that someone else caused your crash, it can do more than prevent your insurance from changing. In this situation, the liable party may also need to pay for all the expenses you face due to the crash.
For example, your lawyer may help you secure funds to pay for your:
- Current and long-term medical expenses
- Lost wages
- Reduced earning potential
- Pain and emotional distress
- Mental anguish
- Property repairs
You should know that Indiana limits the time you have available to file a claim for compensation after a crash. Generally, you’ll only have two years to file a claim, so it’s essential that you reach out to an attorney for help quickly.
Talk to Us About Your Insurance Going Up After an Indiana Car Accident
Will your insurance go up if you’re not at fault in a car accident in Indiana? While your insurance will stay the same in many cases when someone else strikes your vehicle, in some circumstances, your insurance rates can rise.
A car accident lawyer from our team at Vaughan & Vaughan can help you better understand the insurance system and assist you in building a claim that helps you get maximum compensation for your losses.
You can call or complete our online contact form to learn more.
