Injured in an Indiana Car Crash? Here’s What “No-Fault” Really Means And How We Help
- Brinkley Law
- 8 hours ago
- 2 min read
If you’re hurting, missing work, and the phone won’t stop ringing, you don’t need a lecture. You need a plan. You may have searched “no-fault” and wondered how it affects your claim. Here’s the plain truth: Indiana is not a no-fault state. Indiana uses a fault-based system, which means the driver who caused the crash (and their insurer) is responsible for your losses. That difference shapes everything about your case and it’s where our work for you begins.
Why this matters to you right now
In no-fault states, your own PIP coverage pays certain bills no matter who caused the wreck. Indiana doesn’t require PIP. Instead, we build a claim that proves the other driver’s fault and protects you from blame-shifting. Indiana’s modified comparative fault rule reduces your recovery by your percentage of fault and bars it if you’re more than 50% at fault. Insurers know this and they use it. We make sure your story, your injuries, and the evidence are presented clearly and powerfully.
What we do so you can focus on healing
Lock down liability: Scene photos, 911 and dispatch records, vehicle data, witness interviews, camera footage before it’s overwritten.
Coordinate care & bills: Help you find appropriate medical providers; organize records, liens, and health-insurance reimbursements.
Work every coverage: At-fault driver’s liability, your UM/UIM if they’re uninsured/underinsured, and any MedPay you carry.
Shield you from tactics: We handle adjuster calls, forms, and “quick-settlement” pressure so you don’t sign away future rights.
Value the full impact: Medical costs, future care, lost wages, diminished earning capacity, and non-economic losses like pain and loss of normal life.
Litigate if needed: If the insurer won’t be fair, we file suit and move your case forward.
What you can do today (simple, practical steps)
Get medical care and follow your treatment plan. Gaps can hurt both your health and your claim.
Document everything: Photos, symptoms, time off work, out-of-pocket costs.
Be cautious with recorded statements or broad medical releases until you understand the implications.
Call us early: Indiana injury claims are time-sensitive. Evidence goes missing, memories fade, and most lawsuits must be filed within two years of the crash (exceptions exist).
A message for the person who never asked for any of this
You didn’t choose the crash, but you can choose who carries the load from here. Our job is to take the pressure off, protect you from blame, and pursue every dollar available under Indiana law.
Let’s talk. Reach out to Brinkley Law at 317-766-1379 so we can hear your story and outline next steps tailored to you.
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