Indiana Car Accident Settlement Calculator
Estimate a car accident settlement under Indiana law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Indiana law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Indiana bars recovery if plaintiff is 51% or more at fault. Medical malpractice total cap is $1.8M.
Ind. Code § 34-51-2-6·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Indiana car insurance law: minimums, PIP and uninsured motorist coverage
What Indiana's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Indiana: Minimum liability coverage
“A person may not: (1) register a motor vehicle; or (2) operate a motor vehicle on a public highway; in Indiana if financial responsibility is not in effect with respect to the motor vehicle under section 4 of this chapter, or the person is not otherwise insured in order to operate the motor vehicle.”
“Except as provided in section 6 of this chapter, the minimum amounts of financial responsibility are as follows: (1) Subject to the limit set forth in subdivision (2), twenty-five thousand dollars ($25,000) for bodily injury to or the death of one (1) individual. (2) Fifty thousand dollars ($50,000) for bodily injury to or the death of two (2) or more individuals in any one (1) accident. (3) Before July 1, 2018, ten thousand dollars ($10,000) for damage to or the destruction of property in one (1) accident. Beginning July 1, 2018, twenty-five thousand dollars ($25,000) for damage to or the destruction of property in one (1) accident.”
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Indiana: No-fault, personal injury protection and the right to sue
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (IC 9-25-4 and IC 27-7-5-2).
Indiana: Uninsured and underinsured motorist coverage
“The uninsured and underinsured motorist coverages must be provided by insurers for either a single premium or for separate premiums, in limits at least equal to the limits of liability specified in the bodily injury liability provisions of an insured's policy, unless such coverages have been rejected in writing by the insured. However, underinsured motorist coverage must be made available in limits of not less than fifty thousand dollars ($50,000).”
“Insurers may not sell or provide underinsured motorist coverage in an amount less than fifty thousand dollars ($50,000).”
Indiana: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (IC 9-25-4 and IC 27-7-5-2).
What partial fault costs you in Indiana
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Indiana law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Indiana deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Indiana periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Ind. Code § 34-11-2-4·Source retrieved 2026-07-27
Open the personal injury calculatorInd. Code § 34-18-7-1·Source retrieved 2026-07-27
Open the medical malpractice calculatorInd. Code §§ 34-23-1-1, -2·Source retrieved 2026-07-27
Open the wrongful death calculatorInd. Code § 22-3-3-3·Source retrieved 2026-07-27
Open the workers compensation calculatorInd. Code § 34-11-2-4·Source retrieved 2026-07-27
Open the slip and fall calculatorIndiana against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Indiana is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Indiana is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology