Unlike a handful of no-fault states, Indiana follows the traditional tort system. The driver who causes a crash is responsible for the resulting harm, and you generally pursue the at-fault driver's liability insurance for your losses.
Indiana Is an At-Fault State
That means there is no mandatory personal injury protection (PIP) layer the way no-fault states have. Your path to compensation runs through proving fault.
Minimum Insurance Requirements
Indiana requires drivers to carry minimum liability coverage of 25,000 dollars per person and 50,000 dollars per accident for bodily injury. Those minimums rarely cover the cost of a serious injury, which is why uninsured and underinsured motorist coverage is so valuable.
Why Fault Still Has Limits
Even in an at-fault state, Indiana's modified comparative fault rule (Ind. Code § 34-51-2) means your own share of blame reduces — or eliminates — your recovery. Establishing the other driver's fault clearly is essential.
Protecting Your Claim
Because everything turns on fault and available coverage, identifying all responsible parties and all applicable policies is the heart of a strong Indiana auto claim. A free review can map out who may owe you compensation.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Indiana attorney.