Indiana Car Accident Settlement Calculator

In Indiana, motor vehicle accident recovery is available to drivers who bear half or less of the total fault. The 51% bar means that equal-fault scenarios still produce compensation, and insurance negotiations in Indiana often center on whether the claimant’s fault can be pushed past the critical 50% mark.

Indiana gives you 2 years from the date of the incident to file a lawsuit, which is in line with the national average of 2.7 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Indiana applies a discovery rule, meaning the clock may start when you discover (or should have discovered) the injury rather than when the incident occurred.

Indiana’s mandatory minimum auto insurance is 25/50/25 (bodily injury per person / per accident / property damage). These are relatively low minimums. Medical costs from even a moderate car accident frequently exceed $25K, which means you may need to pursue additional recovery options if the at-fault driver carries only the minimum.

Claims against government entities in Indiana — such as accidents involving government vehicles, city buses, or dangerous road conditions maintained by a municipality — require a formal notice of claim within 180 days. This compressed timeline catches many accident victims off guard. If a government entity may be at fault, consulting an attorney immediately is critical to preserving your right to compensation.