After a car collision, one of the most important questions that needs to be answered is the amount of car insurance coverage available. Available car insurance coverage includes not only the at-fault driver’s insurance, but also your own uninsured and underinsured motorist coverage (frequently referred to as UM/UIM coverage).

In Indiana, all drivers are required to carry car insurance on their vehicle. These policies vary in limits and are designed to protect you in various situations. In Indiana, state law dictates the minimum amount of insurance coverage an individual must have. State minimums in Indiana are:

• Uninsured Motorist Coverage – Bodily Injury: $25,000.00/$50,000.00. In other words, $25,000.00 per person and $50,000.00 per incident)
• Property Damage: $25,000.00
• Underinsured Motorist – Bodily Injury: $50,000.00

There is oftentimes confusion as to the difference between underinsured motorist coverage (UIM) and uninsured motorist coverage (UM). The difference between the two boils down to the insurance coverage of the at-fault driver. If the driver has no insurance, or if the collision was a hit and run, the uninsured motorist coverage will be applied. If the at-fault driver has insurance, but that insurance is not sufficient to cover your damages, the underinsured motorist coverage will apply.

Uninsured Motorist Coverage

With an increase in uninsured drivers and hit-and-run collisions in Indiana, uninsured motorist coverage has become especially important. Uninsured motorist coverage offers peace of mind in the event you are involved in a car accident for which you are not at fault and will help with any medical bills or other expenses associated with the collision.

Uninsured motorist coverage can cover various types of damages including:

• Medical bills associated with the collision;
• Lost wages;
• Pain and suffering;
• Mental and emotional distress.

When a collision occurs with an uninsured driver, the chances of being able to collect from that driver are often slim. Therefore, having your own insurance policy that will provide coverage for you in the event you are in a collision with an uninsured driver will ensure that you are protected. The amount of protection you are provided by uninsured motorist coverage is dependent on the amount of coverage that you carry in your own policy. When possible, we advise everyone to carry more than the state minimum in order to have as much protection as possible.

Underinsured Motorist Coverage

What happens if the at-fault driver has insurance, but it is not enough to cover your damages resulting from the collision? This is when underinsured motorist coverage comes into play. Frequently, if a collision is severe and the at-fault driver only carries the state minimum coverage, this will not be sufficient to cover your damages.

The concept of underinsured motorist coverage can oftentimes be difficult to understand. The following example can help explain the math of an underinsured motorist claim.

A collision occurs in which you experience extensive injuries and medical bills. The other drive is carrying Indiana’s minimum coverage of $25,000.00. Due to the nature of your injuries and the medical bills, the at-fault driver’s policy is quickly exhausted.

However, you have $100,000.00 in underinsured motorist coverage. Because the at-fault driver already exhausted their policy of $25,000.00, you would have an additional $75,000.00 in underinsured motorist coverage.

Underinsured motorist coverage can cover various types of damages including:

• Medical bills associated with the collision;
• Lost wages;
• Pain and suffering;
• Mental and emotional distress.

As with the uninsured motorist coverage, we advise carrying more than the state minimum in order to provide as much protection as possible.

Questions about Uninsured and Underinsured Claims?

It is important to note that when you file an uninsured or underinsured motorist claim, despite the fact that you are working with your own insurance company, it is important to have an attorney on your side. Frequently, insurance companies are looking to pay as little as possible to settle a claim.

The attorneys at Waldron Tate Bowen Land have extensive experience in handling uninsured and underinsured motorists claims. If you have been in a collision and have questions about your options, please contact us for a free consultation.

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What types of evidence can you collect after a car accident?

Typically, there are three different types of evidence that can be collected after a car accident: (1) damage evidence; (2) electronic evidence; and (3) verbal/written evidence.

1.    Damage Evidence

Physical evidence includes the physical things that can be collected to show proof of what happened during a collision. This evidence includes things such as:

• Damage done to your car or any other property involved in the collision;
• Any injuries that you suffered;
• Copies of police reports;
• Medical records pertaining to any injuries you may have.

2.    Electronic Evidence

Digital evidence includes any sort of digital or electronic evidence that may help prove what happened such as:

• Photos of the accident scene;
• Photos of damage to your vehicle or any other property involved in the collision;
• Photos of injuries at the time of the collision and as healing is progressing;
• Surveillance footage or dash cam footage;
• Black box data;
• Data from any health apps on your phone or smart watch;
• Phone records from before and immediately after the collision;
• Digital communications regarding the collision such as text messages or social media posts.

3.    Verbal/Written Evidence

Verbal and written evidence can oftentimes be the most helpful evidence in your case. This includes verbal statements that are turned into written statements such as your own statements to emergency responders or other witness statements.

Witness statements are oftentimes very helpful as they provide an outsiders perspective and are often unbiased descriptions of what caused the collision. They also likely saw things that you did not see, before, during and after the collision.

Additionally, written evidence such as a log documenting your injuries, the amount of pain you are feeling on certain days or with certain activities, or calendar entries of time missed from work or medical appointments can be helpful later in the case to refresh your memory on things you may have forgotten over time.

Contact an Attorney with experience.

The preservation of all kinds of evidence and information is crucial is helping you get the most compensation after a car accident. This evidence is what makes it possible to prove what happened and why you need compensation for damages such as lost wages, emotional and mental distress, pain and suffering, property damages, medical expenses, and more.

However, getting this evidence is not always easy or possible. That is why it is crucial to contact an attorney with experience in car crashes as soon as possible following a collision. They can take the lead on gathering this information, which will allow you to focus on your recovery and getting back to your life as quickly as possible.

The attorneys at Waldron Tate Bowen Land have many years of experience in collecting all the necessary evidence and helping individuals who have been involved in a car collision. If you have been in a collision, don’t hesitate to contact us for a free case review.

The post What evidence should I preserve after a car accident? appeared first on Waldron Tate Land LLC.

Ann Marie Waldron and Brandon Tate obtained a $850,000 Marion County jury verdict for a client who slipped and fell at a pool, injuring her shoulder.

Ann Marie Waldron obtained a $1 million Kosciusko County jury verdict for a client who was injured in a motor vehicle collision involving a semi-truck.

Ann Marie Waldron and Brandon Tate negotiated a $3.3 million settlement for a wrongful death involving a crane.

Kevin Bowen assisted individuals injured in car accidents, slip and falls, and other cases involving negligence across the state of Indiana receive compensation for their injuries.

Brandon Tate and Katie Piscione tried a case through verdict in the Southern District of Indiana as appointed counsel.

We are also happy to announce that Brandon Tate was awarded the 2021 Max Goodwin Young Lawyer of the Year Award by the Indiana Trial Lawyers Association. The honor is awarded to only one lawyer in Indiana each year for distinguished service to the citizens of Indiana and the United States as an outstanding young lawyer dedicated to protecting the rights of the injured under the laws of the State of Indiana and the United States of America.

Additionally, Ann Marie Waldron was once again selected to the 2021 Indiana Super Lawyers list. Each year, no more than 5 percent of the lawyers in the state are selected by the research team at Super Lawyers to receive this honor.

Brandon Tate and Kevin Bowen were once again selected to the 2021 Indiana Rising Stars list. Each year, no more than 2.5 percent of the lawyers in the state are selected by the research team at Super Lawyers to receive this honor.

In its first year, WTB continued to grow. This year, WTB added four new employees including a receptionist, a legal assistant, an associate attorney, and a law clerk. We also expanded our offices to three floors. Additionally, WTB added the state of Illinois to our practice states and are looking to continue growth into other states in the future.

While there were many challenges associated with expanding a firm during the COVID-19 pandemic, we could not be happier with the successes we achieved in our first year. We look forward to many more years of successful advocacy for our clients.

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