What is a car accident claim worth in Indiana?
Every rule below is quoted from Indiana law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Indiana, and the Indiana rules that raise or lower what you collect. $23,035 was the average injury claim paid in Indiana in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Indiana law on this site, each with a link.
What claims paid in Indiana
Injury claims in Indiana averaged $23,035 each in 2022.
Car and property damage claims averaged $5,987.
| Injury claim paid by the at fault driver's insurance | $23,035 |
|---|---|
| Car and property damage | $5,987 |
| Medical payments coverage, paid by your own policy | $4,082 |
| Collision coverage, paid by your own policy | $6,134 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Indiana
If you were partly at fault
Indiana uses modified comparative fault with a 51 percent bar. You can collect money only if your share of fault is 50 percent or less. If your fault is more than the fault of everyone you are suing combined, you cannot collect anything.
“the claimant is barred from recovery if the claimant's contributory fault is greater than the fault of all persons whose fault proximately contributed to the claimant's damages”
The other driver's policy limit is the ceiling
Indiana requires liability insurance of at least $25,000 per person and $50,000 per crash for injury, and $25,000 for property damage.
“Minimum liability limits are: Uninsured Motorists: Bodily Injury: $25,000/$50,000 Property Damage: $25,000”
If the other driver has no insurance
Insurers must include uninsured and underinsured motorist coverage in every new Indiana auto liability policy unless you reject it in writing.
“Each newly written Indiana auto liability policy must include uninsured and underinsured motorist's coverage unless you reject this in writing.”
The deadline that ends the claim
You have 2 years from the crash to sue for your injuries.
“An action for: (1) injury to person or character; (2) injury to personal property; or (3) a forfeiture of penalty given by statute; must be commenced within two (2) years after the cause of action accrues.”
What a lawyer takes if you hire one
Indiana has no statute or rule capping the percentage a lawyer can charge in a personal injury contingency fee. The lawyer conduct rule only requires the fee to be reasonable and in a signed written agreement, and it bans contingent fees only in certain family law matters and criminal defense.
“A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph (d)”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.