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  • Writer's pictureRobert Schuerger II

Who Is at Fault in a Low-Speed Car Accident in Indiana?

Determining responsibility in a low-speed collision at 10MPH or less can be as tricky as navigating a busy intersection. They say every car accident has its own story, and low-speed crashes are no exception.

Such crashes may not cause the same level of damage as high-speed accidents. Still, they can leave victims dealing with medical bills, lost wages, and a host of other issues. It's essential to know that Indiana law follows a modified comparative negligence system. What does that mean?

Well, it means that fault isn't always one-sided. The law considers the actions of all parties in a car accident. If the court finds someone more than 50% liable, they might have difficulty recovering damages from the at-fault driver.

In these low-speed collisions, it often comes down to proving responsibility. The insurance companies, ever watchful, evaluate the situation to determine which driver is at fault. This is where an experienced car accident lawyer becomes invaluable.

They advocate for their clients, be they victims or defendants, navigating the complexities of Indiana car accident laws.

Victims Must Prove Four Key Elements in Car Accidents

Victims Must Prove Four Key Elements in Car Accidents

Liability in low-speed car accidents in Indiana isn't a black-and-white issue. The comparative fault system comes into play. Thus, the law assesses each party's contribution to the car accident.

Victims can seek free case review sessions with qualified car accident lawyers in Indianapolis in this event. These experts can help the innocent party recover compensation from the other driver and their insurance company.

Duty of Care

This legal doctrine refers to the responsibility all drivers owe to each other on the road. It's a commitment to operate their vehicles in a manner that ensures the safety of others. The domino effect leading to a potential accident begins when any motorist breaches this duty.

Breach of Duty

Next, this involves proving the other driver failed in their duty to exercise reasonable care while driving. This breach could manifest in various ways—speeding, running a red light, or distracted driving.

Direct Causation

It's not enough to show a breach. Car crash victims must demonstrate that this breach directly led to the auto crash and subsequent injuries. An experienced personal injury attorney can help plaintiffs gather medical records and official police reports to support their claims.

Total Damages

This final element sums up the tangible losses the victims suffer. It goes beyond the immediate medical bills to include long-term consequences such as lost wages, emotional distress, and diminished quality of life.

Proving these damages in a personal injury claim is vital for ensuring fair compensation that reflects the full extent of the victim's ordeal.

The Four Key Elements in an Example

Imagine a victim, let's call them Alex, who was simply driving home when their life took an unexpected turn. Like every other driver, Alex had a reasonable expectation that others on the road would uphold their duty of care. Unfortunately, that wasn't the case.

As Alex recounts the incident, the breach of duty becomes painfully apparent—the other driver was texting behind the wheel, oblivious to the potential harm they were causing.

The direct causation is evident as the accident unfolds, leaving Alex with not just a damaged car but aching limbs and a disrupted routine.

In the aftermath, the total damages mount. Medical bills pile up, and the missed workdays add financial strain. Alex's emotional well-being takes a hit, impacting relationships and day-to-day life. The only way to seek justice and recover damages is to hire a qualified lawyer to represent the motor vehicle accident and prove fault. They can also explain who is at fault in a side swipe car accident in Indiana.

How Can a Car Accident Lawyer Help Victims?

One of the many ways an auto accident lawyer helps victims is by managing communications with insurance companies. This involves creating statements and negotiations to protect the victim's rights. They act as a shield, preventing plaintiffs from accidentally saying or doing something that might risk their claim.

Thorough Investigation

Car accident cases hinge on the details. A seasoned lawyer delves into the nitty-gritty of the incident, conducting a thorough investigation to gather evidence. This includes examining accident reports, collecting witness statements, and even employing accident reconstruction experts if necessary. The goal is to build a robust case that stands up to scrutiny.

Legal Representation

While many cases reach settlements through negotiations, some proceed to court. In such instances, having a talented auto accident lawyer is crucial. They present the case persuasively, using their legal expertise to navigate court procedures. Attorneys can make convincing arguments on behalf of their clients.

In essence, a personal injury lawyer serves as a lifeline for victims, offering expertise and support during a challenging period. They are able to go over who is at fault in a car accident while merging in Indiana.

Negotiating with the Defendant's Insurance Company

Negotiating with the Defendant's Insurance Company

Entering negotiations with the defendant's insurance company after a car accident is vital in seeking compensation. It's a difficult process, and victims must tread carefully.

  • Clear Documentation 

Victims, with the help of their legal counsel, compile evidence such as medical invoices, repair estimates, and documentation of lost wages.

  • Demand Letter 

Negotiations often involve the submission of a demand letter to the defendant's insurance company. This letter, written with precision by the victim's legal representative, outlines the details of the accident.

It also includes a detailed report of the injuries and the victim's financial losses. Plaintiffs must also write down the settlement amount they demand in this letter.

  • Ongoing Communication 

The victim's lawyer engages with the defendant's insurance adjuster, presenting the case persuasively. This involves asserting the victim's rights without escalating tensions. The goal is to reach a fair settlement that sufficiently compensates for the victim's damages.

  • Settlement Evaluation

At this point, the other party's insurer will offer a settlement value to the plaintiff. The victim's lawyer will evaluate the amount and weigh the value against actual damages. If the payout is insufficient, they may seek counteroffers and continue negotiations.

Final Words

Low-speed car accidents are not as dangerous as high-speed crashes. Still, they can cause significant property damage, if not physical injuries. Most such cases happen when the tailing driver rear-ends the front motorist. However, the front driver may also be at fault if they were distracted or failed to indicate lane changes. Brake-checking is also a key reason for such accidents in Indiana.

Whichever the case is, Schuerger Shunnarah Trial Attorneys can help victims. Stating, "We Go to War for You," the qualified lawyers of this firm can determine fault and help plaintiffs recover maximum reimbursement.


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