Personal-Injury Claims in 2025: Deadlines, MedPay Tweaks & New Lien Rules

Indiana accident victims face a different landscape in 2025. Start with MedPay: optional auto-policy coverage still ranges from $1k–$25k, but insurers must now disclose your elected limit in plain English at renewal, curbing the “I didn’t know” excuse. 

The familiar two-year statute of limitations remains, yet health-care providers gained leverage. Under Senate Bill 5, hospitals now have only 90 days (down from 180) to file a lien against your settlement and no lien at all if you’re a Medicare or Medicaid recipient and the bill is submitted to those programs. 

That sounds borrower-friendly until you miss the deadline to challenge padded charges. Shorter filing windows mean you must audit medical bills earlier, or risk watching your payout evaporate into lien negotiations.

Action items for crash victims:

1. Pull your declarations page to confirm MedPay limits.

2. Track every medical invoice; flag any lien notices that arrive.

3. Diary key dates: accident, hospital discharge, first provider bill, etc.

   
   

Feeling overwhelmed? Schedule a no-obligation strategy session with Brinkley Law at 317-766-1379. We’ll calculate lien exposure, negotiate reductions, and file suit before the clock runs out.