Frequently Asked Questions (FAQs) About Personal Injury Laws in Indiana
Below are the answers to common initial questions many clients have when they first contact Keller and Keller. We hope that the information below address many initial concerns you may have, but if you don't find the answers here, please contact us with questions specific to your case. The consultation is free and confidential.
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Do I need a lawyer for my New Mexico SSDI claim?
You have been working full-time since you were 18 years old. You have had a variety of jobs, but have always worked hard to support yourself and—eventually—your family. Now you find yourself unable to work. Whether it was an illness or an injury that has left you disabled, you are now in need of the Social Security Disability Insurance (SSDI) benefits you have paid into virtually your whole life. This should be easy, right? Unfortunately, it is not this straightforward. Nearly 70 percent of first-time applicants are denied SSDI. So what can you do to improve your odds? You might want to start with hiring an experienced SSDI attorney.
What Can Our Attorneys Do for You?
While this is probably your first time dealing with the Social Security Administration (SSA), it is not our first time. This is probably the greatest advantage we can bring to you. We know whether you are qualified for benefits, how the application process works, and what a successful application needs. When you come to us right away, we can potentially save you months of waiting for benefits. Specifically, the SSDI attorneys at Keller & Keller will do the following for you:
- Determine your eligibility. When you schedule a free consultation in our Albuquerque office, we will take a quick look at your medical records and work history to determine if you are indeed eligible for SSDI. Many people apply for disability when they are not eligible, which is a waste of time and effort. If we believe you should qualify based on what we see, we will help you with the next steps.
- Explain your options. Social Security programs can be confusing. We will help you understand all of your options so you can make the best choices moving forward. Depending on your age, number of years in the system, and economic status, you may have some important decisions to make and we will help you with those.
- Prepare paperwork. Many people are denied disability the first time because they do not complete the proper paperwork or they do not correctly fill out the application. We will take care of all paperwork for you, ensuring that it is done right the first time. We will gather the documentation you need to prove your claim and submit a strong application.
- Evaluate your medical records. If you do not have adequate medical records, we will help you get the tests and evaluations you will need to prove your disability. Medical records are the most important part of an SSDI application and we will review them to make sure you have everything you need for a successful application.
- Work with vocational experts and others. Along with physical disability, you will have to show that you are unable to perform work duties or maintain substantial gainful employment. We will have a vocational expert examine your work history, education, and training in order to demonstrate your inability to work given your physical condition. The SSA will also have vocational experts examining your application, so it is important that you prepare by working with one of your own.
- File all necessary legal briefs. We will stay on top of time limits and file all legal papers on your behalf. Should you need to file an appeal, we will be on top of that and make sure everything is in on time.
While your chances of approval are greatly improved by working with our attorneys, if your initial application is denied, we will be ready to start the appeal process immediately.
No Fees Unless You Are Awarded Benefits
SSDI claims are taken on a contingency fee basis. That means that until and unless your application is approved, you do not pay us a dime. The SSA has a cap on legal fees of 25 percent of your past due benefits, up to $6000. The maximums may increase if your case proceeds to the appeals court or federal district court. If you have questions about anything you have read here, feel free to call us to schedule your free consultation. We are happy to help you through this process.
Does new car technology actually keep us safer?
If you have shopped for a new car in the last several years, you may have been overwhelmed by all of the available safety features. You may have wondered when seat belts and airbags were replaced by electronic sensors and cameras as the latest and greatest in car safety. The fact is, cars are safer than ever, but many of the safety features are difficult for some drivers to understand—particularly older drivers—and other features actually distract the driver from the task of driving, creating an additional safety risk. We take a look at important new safety technology and offer advice on using these features effectively.
Best Safety Features
While there are plenty of high-tech safety features available, the features that continue to save the most lives are the tried-and-true mechanical features that have been around for many years: seat belts and airbags. Nothing will protect you more in a collision than these standard features. However, new safety technology focuses on accident prevention. A few of the most effective safety technologies include the following:
- Anti-lock brakes (ABS). Anti-lock brakes have been available on most car models since 2003. They are now standard on all cars. ABS prevent accidents by stopping the wheels from locking up when you are forced to brake suddenly, allowing you to steer away from an obstacle.
- Adaptive cruise control. Drivers love cruise control because it allows them to maintain a consistent speed without having to keep a foot on the accelerator. Adaptive cruise control takes this one step further by using a radar unit to scan the road ahead and automatically slow the car down if it is approaching slower-moving traffic, forcing you to keep a safe following distance.
- Back-up camera and sensors. Many fender-benders and pedestrian accidents happen when a driver is reversing his vehicle. Having a back-up camera and sensors tells you when there is something or someone behind you so you can stop before hitting it.
- Blind-spot and lane-departure warnings. Using radar or cameras, blind-spot monitors let you know when there is a car in your blind spot so that you can safely change lanes. Lane departure warning systems tell you when your car is drifting out of its lane, which may be an indication that you are dozing off or are distracted by something.
All of these features can save lives, but they require an understanding on the part of the driver as to how they work and how to use them properly. Many older drivers have a hard time adapting to the new technology and may actually find that some of these features inhibit safe driving.
Features Older Drivers Struggle With
Many older drivers are thrown for a loop when they shop for a new car. They are often overwhelmed by the infotainment systems, safety warning systems, and Bluetooth options. Instead of embracing the new technology, many seniors opt for as few features as possible on new cars. This is unfortunate, because many of these features are just what older drivers need to keep them safe. Lane-departure and blind-spot warnings, for example, can help drivers suffering with arthritis or poor flexibility identify hazards they would not otherwise see. In fact, AAA recommends certain safety features for older drivers who suffer from particular age-related problems.
The key to the proper use of safety features for all drivers—but particularly for older drivers—is a thorough training session with the car salesman or dealership. Dealers recommend driving the car for a couple of weeks and then, once you have questions, returning to the dealership for a training session on particular features. The National Safety Council has an interactive website, My Car Does What?, to help people understand their vehicle’s features.
Misuse of Safety Features Does Not Protect From Liability
New car technology is obviously there to enhance the driving experience and to keep drivers and others on the road safe. As people are getting used to new features, they may take their eyes off the road or become cognitively distracted and cause an accident. Being confused by safety features is not an excuse for unsafe driving. If you were injured in a crash with someone trying to blame his car’s technology or warning systems for the accident, don’t be fooled. No matter what his excuse is, he is liable for your injuries. Contact one of our Indianapolis offices today to find out what we can do for you after a car accident that wasn’t your fault.
What is Residual Functional Capacity and how does it affect my claim for disability benefits?
In order to qualify for Social Security Disability Insurance (SSDI) benefits, you must prove that you have a medically verifiable condition that meets certain requirements for severity and duration. You must also prove that the impairment prevents you from working. In order to determine just what you are physically and mentally capable of doing despite your impairment, the Social Security Administration (SSA) will assess your Residual Functional Capacity (RFC). This is an important step in the approval process and you want to make sure you are fairly assessed. Having a New Mexico SSDI attorney by your side will help.
Evidence of Residual Functional Capacity
The SSA will look at a variety of factors to determine your physical and mental abilities. As part of your assessment, they will look at the following pieces of information:
- Applicant’s own medical records
- Report from an SSA consultative medical exam
- Statements about your abilities from other medical sources
- Descriptions and observations of your limitations provided by you, your family, neighbors, friends, or other persons
Gathering much of this information will be up to you. An experienced SSDI attorney will make sure you have complete medical records, all relevant medical tests and examinations, and strong statements from those who know you.
What the SSA Does With This Evidence
Because your ability to perform work duties is not just based on physical ability, it is important that the SSA considers the mental, sensory, and other requirements of work and how your impairment might limit you in those areas. The evaluator will first determine your ability to perform the same job you had before you became disabled. This is known as past relevant work. If they find that you cannot perform your past relevant work, they will use your RFC along with information about your work experience, training, and education to determine whether you can perform any kind of work. At this stage, it is important that you have provided an accurate accounting of your vocational background.
Assessing Your Physical Abilities
In assessing your physical abilities, the SSA must consider all of the possible physical demands of your relevant work. For certain jobs, the ability to sit at a desk is a key physical demand whereas other jobs require heavy lifting. The RFC is comprised of seven exertional activities, broken down into three work positions (sitting, standing, and walking) and four worker movements (lifting, carrying, pushing, and pulling). They are also supposed to consider physical functions (such as reaching, handling, stooping, or crouching), that may reduce your ability to do past work and other work. RFC exertional classifications are:
- Very heavy work. This kind of work requires standing or walking for six or more hours and lifting 100 pounds or more.
- Heavy work. This is work that requires standing or walking for six or more hours and lifting weights of no more than 100 pounds.
- Medium work. Jobs that require standing or walking for six or more hours and lifting weight of no more than 50 pounds are considered to require medium levels of exertion.
- Light work. If you are approved for light work, you are expected to be able to stand or walk for six or more hours and lift weights of no more than 20 pounds.
- Sedentary. Sedentary work consists of sitting for six or more hours, standing or walking for no more than two hours and lifting weights of no more than 10 pounds.
An assessment of your exertional classification will be compared to the physical demands of work that you are qualified to perform in order to make a disability determination.
Assessing Your Mental & Other Limitations
Of course, it is possible to be physically able, but to have other impairments that prevent you from working on a regular and continuing basis. If a person suffers emotional trauma or a brain injury, the consequences may be limitations in comprehension, memory, following instructions, and in responding appropriately to supervision, coworkers, and work pressures in a work setting. Some medical impairments, such as skin conditions, epilepsy, and hearing or vision loss may impose limitations and restrictions which affect other work-related abilities. The SSA will assess for these impairments in a manner similar to their assessment for physical limitations. Your RFC will include these mental and sensory limitations.
In New Mexico, Call Keller & Keller for Help With Your SSDI Application
In order to get a fair disability determination, you must have an accurate RFC assessment. With the help of the disability attorneys at Keller & Keller, you can build a strong application which includes all the evidence necessary to prove your need for benefits. Contact us today to find out if we can help.
Will mandatory electronic logging devices on commercial trucks and buses save lives in Indiana?
While the truck and bus industry has had years to prepare for the change, complying with the mandatory use of electronic logging devices this December will still be a major change for many truckers and bus drivers. It may seem like this has nothing to do with you—the average passenger car driver—but, in fact, the law was passed with you in mind. As a more reliable way to enforce truck and bus driver hours of service rules, it should remove more fatigued truckers from the road, protecting you and your family from a potentially fatal run-in with a truck.
What Are Hours of Service Rules?
Designed both to protect drivers from being overworked by their employers and to protect the general public from dangerously fatigued drivers, the Federal Motor Carrier Safety Administration’s (FMCSA) mandates the maximum number of hours drivers can operate their vehicles. These hours of service (HOS) rules apply to drivers of vehicles that meet one or more of the following criteria:
- Gross vehicle weight rating of 10,001 pounds or more
- Transports hazardous materials in a quantity requiring placards
- Carries 9 or more passengers—including the driver—for compensation
In other words, every large commercial truck or passenger vehicle is subject to these limits on the number of hours they can be driven.
Federal HOS rules mandate the following for property-carrying vehicles:
- Drivers may not drive for more than 11 hours after 10 consecutive hours off duty.
- Drivers may not drive beyond the 14th consecutive hour after coming on duty, following 10 consecutive hours off duty. Off-duty time does not extend the 14-hour period.
- Drivers may drive only if 8 hours or less have passed since the end of driver’s last off-duty or sleeper berth period of at least 30 minutes.
- Drivers may not drive after 60/70 hours on duty in 7/8 consecutive days. A driver may restart a 7/8 consecutive day period after taking 34 or more consecutive hours off duty.
For passenger-carrying drivers, the rules are a little more restrictive. Bus drivers are subject to the following HOS rules:
- Drivers may not drive for more than 10 hours after 8 consecutive hours off duty.
- Drivers may not drive after having been on duty for 15 hours, following 8 consecutive hours off duty. Off-duty time is not included in the 15-hour period.
- Drivers may not drive after 60/70 hours on duty in 7/8 consecutive days.
While these rules may seem complicated to a non-commercial driver, you can be sure that every commercial driver understands what they mean for their driving. When they choose to ignore the rule—whether they are under pressure from an employer or not—they put you and your family at risk. Drivers are required to keep a log book of their on-duty and off-duty hours. They are subject to having their log books inspected by authorities for violations of these rules. However, paper log books are easily faked, leading to far too many fatigued commercial drivers on the road.
Electronic Logging Devices Are Designed to Keep Drivers Honest
Electronic logging devices (ELD) are installed in the vehicle and automatically record driving time by monitoring engine hours, vehicle movement, miles driven, and location information. ELDs are expected to strengthen compliance with HOS regulations. FMCSA estimates the devices will save at least 26 lives and prevent 562 injuries each year.
While many trucking companies are already using ELDs in their trucks because they make life easier for the driver, not every company has been on board. Beginning on December 18 of 2017, however, every commercial vehicle that is subject to the HOS regulations will be required to install ELDs in all of their vehicles. Not only will these devices save drivers and their employers from mountains of paperwork, they will also save lives.
Truck Crash Attorneys Will Get to the Bottom of Your Accident
Even with ELDs, it is possible for drivers to violate HOS regulations and cause an accident. If you are injured in a collision with a big truck, leave it to the truck accident attorneys and Keller & Keller to investigate and find the cause of the crash. If the truck driver was negligent, we will prove it and make sure you get the compensation you need to recover from your injuries. Call us today with your Indiana truck accident questions.
How do I prove my disability to the Social Security Administration?
To be eligible for Social Security Disability Insurance (SSDI), you will have to meet the Social Security Administration’s (SSA) standards for disability for your particular condition. The SSA has an extensive list of conditions that may qualify you for disability benefits if your condition is severe enough to prevent you from working. Here, we give an overview of what you will have to prove in order to qualify for SSDI.
What Is the Listing of Impairments?
Commonly referred to as the Blue Book, the SSA’s Listing of Impairments is a detailed list of all of the various medical conditions that could result in disability. The impairments are divided into the following categories:
- Musculoskeletal System
- Special Senses and Speech
- Respiratory Disorders
- Cardiovascular System
- Digestive System
- Genitourinary Disorders
- Hematological Disorders
- Skin Disorders
- Endocrine Disorders
- Congenital Disorders That Affect Multiple Body Systems
- Neurological Disorders
- Mental Disorders
- Cancer (Malignant Neoplastic Diseases)
- Immune System Disorders
Within each of these listings is a description of the general category as well as the specific conditions that fall under the category. Also included is a list of the types of documentation required as evidence of the condition such as biopsy results, medical exam reports, and other lab reports. The Blue Book is used as a guide to help determine if particular medical conditions are eligible for SSDI. However, just because your condition is listed in the Blue Book does not mean that you will automatically be approved. Likewise, if your specific impairment is not listed, that does not mean that you will not qualify. The Blue Book is simply a starting point.
Requirements for Qualification
Along with having an identifiable medical condition, you must also show one of the following:
- The condition is expected to result in death.
- The condition has persisted for at least 12 months.
- The condition is expected to persist for a minimum of 12 months.
All applicants must also show that the condition prevents you from engaging in substantial gainful employment. In other words, the condition must be terminal or long-term and must be severe enough to prevent you from working. You will have to provide evidence of both of these factors. The SSA uses the following Five-Step Sequential Evaluation to determine if you have a valid application:
- Can the claimant engage in substantial gainful employment? If the answer is yes, the claimant will not qualify. If the answer is no, the evaluator will move on to the next question.
- Will the impairment last 12 months or result in death? Being medically unable to work for less than 12 months does not qualify you for SSDI. However, if the answer is yes, the severity of the condition is considered.
- Does the impairment meet the severity of a defined medical listing? If the answer is “yes” based on a medical listing in the Blue Book, the claimant will qualify based on medical standards. If the claimant does not meet the requirements of the medical listing, however, the evaluator will determine if he qualifies based on vocational standards.
- Can the claimant perform past relevant work? If the claimant is capable of performing the job he had before the illness or injury, he will not qualify. If he cannot perform the same job he once did, the evaluator will ask if there is other work he can do.
- Can the claimant perform other available work? If there is alternative work the claimant can do to support himself, he will not qualify. However, if there is no other work the claimant can perform, he will be considered disabled according to vocational standards.
Evidence Required to Prove Your Eligibility
At each step of this evaluation, evidence will be needed to support the claim. A doctor’s diagnosis with lab tests and scans to back it up is the minimum evidence you will need. However, your claim has a higher chance of success if your evidence includes the following:
- Recent medical tests. Doctor’s reports and test results should be no older than six months. If your condition is rapidly changing, you will want even more recent reports.
- Accurate records. The SSA will only consider records from acceptable medical sources. If you present records from a chiropractor or other alternative-medicine source that contradict the diagnosis of a doctor, it could call into question the accuracy of your whole claim.
- Complete records. Do you have lab tests or scans to back up every claim you are making? When the Listing of Impairments lists specific documents that are required for your illness, you must provide all of those documents.
- Detailed reports. In order to prove eligibility based on vocational standards, you will need to present a detailed list of the tasks required by the jobs for which you are qualified and a complete list of your limitations—supported with medical evidence—that prevent you from performing those tasks.
The majority of SSDI claims are denied the first time. When you work with a New Mexico SSDI attorney, however, your odds are greatly approved. Call Keller & Keller to find out how we can help you submit a complete and accurate application the first time.
What can I do to help my car accident attorney with my case?
You have made the wise decision to hire an attorney to represent you in your car accident claim, but what should you do now? The simple answer is this: follow all of your attorney’s instructions and do not do anything that could jeopardize your claim. What does that mean? Find out here.
What You Can Do to Help Your Car Accident Attorney
In your first consultation with your lawyer, he will tell you what he needs you to do. Be sure to listen carefully and following his instructions. In general, he may ask you to do the following:
- See a doctor as soon as possible to be assessed for injuries.
- Follow all of your doctor’s orders and make every effort to recover from your injuries.
- Refer all inquiries about the accident from any insurance company to his office.
- Do not give a recorded statement about the accident to anyone.
- Do not sign any documents related to the case without your lawyer’s permission.
- Send copies of all bills related to the accident to your attorney, even if your insurance company has paid them.
- Notify your attorney immediately when you have been released from medical care and have returned to work.
- Do not post anything related to your car accident to social media.
- Return all phone calls from your attorney promptly.
Remember, your attorney will not be able to help you if you do not first help yourself. If the attorney or insurance adjuster for the other driver finds evidence that you are not as injured as you claim to be, he will use this to lower his settlement offer. For example, posting vacation pictures of you water skiing when you have requested damages for a back injury is going to seriously jeopardize your claim.
Keller & Keller Will Steer You in the Right Direction
At Keller & Keller, we will not take your case if we don’t believe we can help you get a significant settlement, but we will only be successful if you follow our instructions and help yourself. Schedule a free consultation today to learn more about working with an attorney on a car accident claim in Indiana.
Do I need to hire an attorney for my Indiana car accident claim?
Some car accident claims are straightforward and settle quickly. If you suffered minor injuries and some property damage in a crash that was determined to be 100 percent the fault of the other driver, his insurance company will likely settle your claim to your satisfaction within a few weeks. However, if there are any complicating factors, you will want to consider hiring an attorney to represent you.
Factors That Complicate a Car Accident Settlement
While many claims are settled easily without the need for a lawyer, you could greatly benefit from hiring a car accident attorney in certain situations. If any of the following circumstances exist, you will want to call a lawyer:
- Dispute over fault. If you are certain you played no part in the cause of the accident, but the other party is claiming you did, an attorney can help you make your case. Under Indiana’s comparative fault law, if you are determined to share in the fault, you will lose damages proportionate to your degree of fault. If you are found to be 51 percent or more at fault, you cannot claim any damages from the other party. An attorney can gather the evidence needed to support your claim.
- Serious injury. If you suffered a catastrophic injury in a car accident, such as traumatic brain injury, spinal cord damage, or multiple broken bones, you need an attorney who is skilled at calculating the ongoing and future costs of your care.
- Semi-truck involvement. When your crash involves a commercial truck, such as a semi-truck, legal issues become much more complicated. There could be multiple liable parties and the potential settlement could be over $1 million. An experienced truck accident attorney will know how to handle such a case.
- Fatality. If an occupant of your car was killed in a crash, you should call an attorney immediately. A fatality complicates a claim in many ways and you want to leave the negotiations up to a legal professional. Likewise, if you lost a loved one in a car accident in which you were not involved, an attorney can help you sort through the legal process.
When to Call Keller & Keller
The sooner you call an attorney after your car accident, the better. A lawyer will make sure all evidence is preserved and that you do not agree to an offer that is less than what you deserve. Keller & Keller does not charge a fee until we win your case, so you have nothing to lose. Call us today to discuss your recent car accident.
How long will my car accident claim take?
This is the question everyone asks and, unfortunately, there is no easy answer. Some claims are clear-cut and don’t involve any kind of dispute. These claims can be settled within a few months. Other claims involve complicating factors that can drag the process out for years. Whatever the details of your case are, you want to make sure you have an attorney on your side who is working in your best interests—whether that means settling quickly or being patient to ensure you get what you deserve. We explain some of the factors that can cause a case to drag out.
Complicating Factors in Car Crash Claims
When you have been in an accident, you cannot put car repairs and medical treatment on hold—not to mention paying your mortgage and other bills. That is why it is so frustrating to have to wait for a financial settlement from the insurance company after you have been seriously injured in a crash. However, it may benefit you in the long run to be patient. The following circumstances may delay a settlement:
- Severity of injuries. Until you know how extensive your injuries are and what treatment and long-term therapies they will require, you cannot know the true value of your claim. An attorney will advise you to hold off on accepting a settlement offer until the lifelong cost of your injuries is known.
- Question of fault. If there is uncertainty over the cause of the crash and who is liable for compensating whom, this will delay a settlement offer. The insurance adjuster for the driver who hit you is likely to try to pass some of the blame off on you. If this happens, your attorney will need time to investigate the accident and collect evidence in support of your claim.
- Insurance company. Large insurance companies with their own legal teams may use many tactics to delay settling your claim, simply because they can. If an insurance company has a conservative approach towards settling claims, you may be in for a lengthy battle to get what you deserve.
- Going to trial. In the end, your attorney may be unwilling to accept any settlement offer from the other side and may decide to take the case to court. This can take a long time to work its way through the court system, but your attorney is not likely to take this measure unless he is confident it will benefit you in the long run.
Trust Your Indiana Car Accident Attorney
If your car accident case involves serious injury, disputes over fault, or an uncooperative insurance company, call the legal team at Keller & Keller. We will be able to give you a better idea of how long your case might take once we meet with you. However long it takes, you can be confident that we will fight to get you the compensation you deserve.
How much does it cost to hire a car accident attorney?
For many people, their only experience with attorneys has been when using one for a real estate sale, divorce, or to make an estate plan. These attorneys usually charge for their services at an hourly rate. The thought of paying an attorney to handle your car accident claim at an hourly rate may seem prohibitively expensive—and it probably would be. However, most car accident attorneys—including Keller & Keller—charge clients on a contingency fee basis. This means that you do not pay anything until and unless we win your case.
How Does a Contingency Fee Work?
If your accident involved a commercial vehicle, serious injuries, or a dispute over fault, you will want to look into hiring an attorney to represent you. These kinds of cases can be complicated and, without legal representation, the average victim is likely to be taken advantage of by other attorneys or the insurance company. At Keller & Keller, your first step will be a free consultation with us where we will review your case and make sure it will benefit you to hire us. After that, we will outline our contingency fee agreement, telling you up front what percentage of the final settlement will go to us and whether you will be responsible for any other expenses. In most cases, you will pay nothing until your case is concluded to your satisfaction.
Having a Lawyer Could Make All the Difference
While you may not like the idea of giving part of your much-needed settlement to an attorney, it’s important to understand that, in most cases, attorneys are able to negotiate a much higher settlement—even if it means taking the at-fault party to court to get it—than you would get on your own. So, even when you give up a percentage to an attorney, you are still better off than you would have been with the insurance adjuster’s first offer.
If you have questions about what your case might be worth and what our representation will cost you, call or connect with us through our website. We are happy to take a look at your claim.
What should I do when I am in a car accident in another state?
Things do not always go as planned. The last thing you want to have happen on vacation is a car accident. Being in a state other than where you reside when this happens can make it even more stressful. However, if you are aware of what you should do when an out-of-state accident occurs, you can be prepared for the worst. Whether you are an Indiana resident in an accident in another state or a resident of another state in an accident in Indiana, these tips can help you protect your right to fair compensation for damages.
What to Do After an Accident in Another State
The first thing to remember is that, in the immediate aftermath of the crash, it does not really matter where you are. The first steps you take should be the same no matter where you are. After a crash in another state, be sure to do the following:
- Call the police. No matter where you are, you will need a police report to back up your claim for compensation. Even in a minor fender bender, call the police and get an official record of the crash.
- Get medical help. Adrenaline is an amazing thing. It can make you feel fine even when you are injured. If you are seriously hurt, you should obviously go to the ER, but no matter how minor you think your injuries are, go to a nearby urgent care center and get checked out. This medical record could help you down the road.
- Take pictures. Before anything is moved, get a record of the scene on your cell phone. Quick snapshots will be very beneficial to you when you are trying to file a claim from afar.
- Collect contact information. Especially since you are not local to the scene, having contact information for everyone involved and witnesses to the crash will be very important if there is a dispute later on.
- Notify your insurance company. You are required to notify your insurance company of an accident, even if you do not think you will need to file a claim with them. Call them as soon as possible and they will tell you if there is anything you need to do.
- Do not admit fault. Be very careful about what you say to the other driver, police, and insurance agents. Even a casual apology can be construed as an admission of fault. Do not say anything at the scene about the cause of the crash. All of this can be worked out later.
Taking these steps will be immensely beneficial should you have to file a claim or a lawsuit once you get back home.
Out-of-State Insurance Claims
The most important thing to know about out-of-state claims is that you will be subject to the laws and limitations of the state where the accident takes place—not the state where your car or the at-fault driver’s car is insured. While car insurance requirements differ from state to state, insurance companies will honor the requirements of the state where the accident takes place. If, for example, you are hit in Indiana by an out-of-state driver who is carrying lower policy limits than Indiana requires, his insurance company will cover the Indiana minimums. If it becomes necessary to file an injury claim against the at-fault driver, the claim will be subject to the statute of limitations and personal injury laws of the state where the accident took place.
How Keller and Keller Can Help
Because personal injury law and insurance requirements differ from state to state, you want to consult an attorney in the state where the accident took place. If you are an out-of-state resident involved in an Indiana crash, Keller & Keller can manage your claim. If you are an Indiana resident involved in a crash in another state, start with a call to Keller & Keller. If we do not feel we are familiar enough with the legal proceedings in that state to represent you successfully, we will refer your case to an attorney in that state.
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