What Are the Main Types of Car Accidents and How Do They Affect Claims in Indiana?

Time Of Info By TOI Staff   July 29, 2023   Update on : August 8, 2023

Car Accident Claims
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Every year, thousands of drivers in Indiana find themselves involved in car accidents. While every accident is unique, there are common types of accidents that occur, each with distinct factors that can influence a subsequent insurance claim or legal case.

Types of Car Accidents

Rear-End Collisions

Rear-end collisions are among the most frequent car accidents. Typically, the driver in the rear is often deemed at fault due to presumed negligence. Can you imagine how crucial this might be in assessing claims?

Side-Impact Collisions

Commonly known as “T-bone” accidents, these occur when the front of one vehicle hits the side of another. Determining liability can be tricky and often depends on the specific circumstances of the collision.

Head-On Collisions

Head-on collisions are terrifying and potentially fatal. Often, they result from a driver straying into oncoming traffic due to distraction or impairment. Liability in these accidents is usually clear, but the severity can complicate the claims process.

Single Car Accidents

Single-car accidents involve only one vehicle and can include instances such as hitting a pole or a pedestrian. These may seem straightforward, but they can be complex when dealing with insurance.

Multiple Vehicle Accidents

These occur when more than two vehicles are involved. It could be a chain reaction or a pile-up. Here, it’s often difficult to determine who’s responsible, making the claim process complex.

How Car Accidents Affect Claims in Indiana

Proving Liability

It’s all about who’s at fault. The type of accident can greatly influence how fault is determined. This can shape the entire direction of a claim.

Damage Assessment

The type and extent of damages depend on the accident. A head-on collision may result in more significant damages than a rear-end collision. This affects the value of your claim.

The Role of Insurance

Indiana is a “fault” state, meaning the party at fault pays. Insurance companies use the type of accident to assess liability and determine how much they will pay.

Importance of an Indianapolis Car Accident Attorney

How a Car Accident Attorney Can Help

A seasoned Indianapolis car accident attorney understands the nuances of different accidents and can help in building a strong claim. They’ll guide you through the process, ensuring you understand how the type of accident affects your claim.

You should contact and ask an Indianapolis car accident attorney as soon as possible after an accident. Remember, when it comes to legal matters, time is of the essence. The sooner you seek legal advice, the better your chances of a favorable outcome.


Car accidents in Indiana are unfortunately common, and each type comes with its unique challenges in the claims process. By understanding these types and how they influence a claim, you’ll be better equipped to handle the aftermath. However, engaging an Indianapolis car accident attorney can significantly improve your chances of a successful claim.


Q1: Who determines who’s at fault in a car accident in Indiana?

A: Usually, it’s the insurance companies that determine fault based on the accident report, witness testimony, and any available evidence.

Q2: What should I do immediately after a car accident?

A: Ensure safety, call 911, seek medical help, gather evidence, exchange information with the other driver, and report the accident.

Q3: Can I file a claim if I was partly at fault in the accident?

A: Yes, Indiana follows a “comparative fault” system. If you’re less than 51% at fault, you can still recover damages.

Q4: How long do I have to file a claim after a car accident in Indiana?

A: Indiana law provides a two-year statute of limitations from the date of the accident.

Q5: Why do I need a car accident attorney?

A: An attorney can help you navigate the complex claim process, negotiate with insurance companies, and ensure you get fair compensation.

Carla Joseph

Carla Joseph

Carla Joseph is a renowned law writer who seamlessly blends her expertise in the legal field with her exceptional writing skills. With a legal degree and years of practice as a legal professional, Carla has dedicated herself to making the law accessible to a wider audience. Through her captivating articles and blog posts, she demystifies complex legal concepts and presents them in an engaging and relatable manner. Carla’s unique ability to combine her legal knowledge with a compelling writing style has earned her widespread recognition and respect. Her work not only educates readers but also inspires them to engage with the law, empowering individuals with a deeper understanding of their rights and obligations.


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