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How Long Do I Have to File a Car Accident Claim in Indiana?


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Car accidents are very dangerous and notoriously complicated. You might be dealing with everything from insurance claims to lawsuits to the Indiana Bureau of Motor Vehicles. A lawyer can help make sure legal rights are protected and make your life easier. Contact our Milwaukee spinal injury lawyer for more information.

When filing an insurance claim after an accident, you should check with the insurance company about deadlines because they might vary between insurance policies. Lawsuits must be filed within the relevant statute of limitations, which is two years in Indiana. However, certain types of claims require notice to the at fault parties far sooner than this. Failure to abide by any deadline can put your entire claim at risk. You should always speak with a qualified lawyer about your situation as soon as possible.

If you were injured in a car accident and are unsure when or how to file your claim, our Indiana car accident lawyers are here to help. Call Wruck Paupore at (219) 322-1166 for a free case evaluation.

How Long Do I Have to File an Insurance Claim for a Car Accident in Indiana?

A precise time limit for filing an insurance claim after a car accident in Indiana may depend on the insurance policy terms and what company you file your claim with. Some companies attempt to impose strict notice deadlines while others are more flexible. In any case, it is best to submit your claim as soon as possible after a car accident. The longer you wait, the more evidence you risk losing, and the more likely your claim will be denied. Our Indiana car accident attorneys can help you get your claim filed as quickly as possible.

Whenever you are involved in an accident, there are other important things that must also be done sooner rather than later.

After a car accident in Indiana, you should report the crash to the police immediately so they can file an official report. The accident report may also then be sent to the Indiana Bureau of Motor Vehicles (BMV). Upon receiving the accident report, the BMV may send you a request for proof of insurance and other information (State Form 52441/SR21) which you must return within ten days, according to that form’s instructions.

According to the Indiana Bureau of Motor Vehicles, proof of insurance forms must come with a Certificate of Compliance (COC) from your insurance company. You will have to contact your insurance company and have them fill out the COC within 90 days. Our team can help you navigate this process.

Always check with your insurance company for other deadlines and specific forms or paperwork they need. Remember, the State of Indiana may have specific rules and deadlines, but your insurance company also has separate deadlines for their forms and documents. It is best to begin your insurance claims process sooner rather than later and always seek guidance from experienced Indianapolis car accident attorneys.

Time Limits to File a Lawsuit for a Car Accident in Indiana

In addition to filing an insurance claim, you can file a lawsuit against the other driver or at fault parties to seek compensation for your injuries and damages. Injured car accident victims often file lawsuits after they exhaust their insurance options. In some cases, the plaintiff’s insurance claims were denied, or the insurance company offered an insufficient settlement.

When filing a lawsuit, you must do so within the statute of limitations. According to Indiana Code § 34-11-2-4(a)(1), the statute of limitations for personal injuries is two years. This might seem like a long time at first, but it is a relatively narrow window of time. Many people spend months arguing with their insurance before they even begin the process of filing a lawsuit. Our South Bend car accident attorneys can help you file your lawsuit quickly and on time. Just as importantly, we will collect evidence and present a compelling case to ensure you receive full and fair compensation.

What Happens if I Miss the Deadline for Filing a Car Accident Claim in Indiana?

You should contact your insurance company as soon as possible after an accident to ask about any important deadlines. If you fail to file an insurance claim on time, your insurance company might deny your claim, and an appeal might not be possible. If you are afraid this might be the case, contact our Indiana personal injury lawyers for help.

As for filing paperwork with the Indiana BMV, your driver’s license might be at risk if you do not file any required paperwork in time. It is illegal to drive without insurance, and the BMV will seek to verify that a driver involved in an accident is insured. Failure to confirm your insurance with the BMV may lead to your license being suspended.

If you miss the deadline for filing a lawsuit, you might be barred from bringing the action at all. This is a very hard deadline, and most courts are unwilling to entertain late claims. However, “tolling” rules might allow you to buy some more time. Tolling is like pausing the clock counting down to the filing deadline. You may only toll the statute of limitations for very specific reasons. For example, a minor may toll the statute of limitations until they are 18 in most circumstances because a minor cannot file a lawsuit on their own.

When to Call a Lawyer About Filing a Car Accident Claim in Indiana

With so many deadlines and time limits, it is a good idea to call a lawyer for help as soon as possible. The longer you wait to speak to an attorney, your case may become more difficult. An attorney has the skills and experience to help you file your claims quickly and on time. If you wait to file your claims or consult with a lawyer, you risk falling behind and missing deadlines.

Contacting a lawyer about your case sooner gives them more time to prepare your claims and lawsuit and avoids evidence being lost and leads going cold. Our Fort Wayne car accident attorneys can discuss your case with you and help you file your claims.

Call Our Indiana Car Accident Lawyers for Assistance

Call our legal team for advice if you were in a car accident and need to file an insurance claim or lawsuit. Our Hammond car accident attorneys can help you file your claims as quickly as possible. Call Wruck Paupore at (219) 322-1166 for a free case review.

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***Every case is unique and your results will differ. Contact us for a free case review of your circumstance.

– Pat D.
"After being involved in a car accident, I was very fortunate to work with Don Wruck. He explained everything to me and my family and made me feel involved in all decisions. I was very happy with the result of my case and happy to have found this firm!"
– Kayla D.
"My case wasn’t very large, but they made it easy to recover damages when the insurance company didn’t even want to cover basic costs. The firm was responsive to my inquiries, and very clear about what was required and what could be expected, during every step of the process."
– Wayne M.
"From start to finish, Wruck Paupore PC Law were the best! Knowledgeable and straightforward, they explained the process, start to finish, and gave guidance while allowing us to determine the best course of action to take. We would highly recommend them and would certainly use them again."
– Chris V.
"We are so thankful with how the lawyers and staff handled our case. The folks at Wruck and Paupore were always pleasant and helpful in all their phone calls and letters. It was always a pleasure to get their calls. We were especially pleased with their tenacious pursuit of the goal of full recovery which was far greater than we could have imagined."
– Jay Zoellner
"Attorney Wruck did an amazing job in settling my personal injury case. His knowledge and experience specific to semi truck accidents made all of the difference in the outcome of my case; the settlement exceeded my expectations! The staff at his firm was helpful, responsive and caring during a difficult time following a life-altering experience. I highly recommend Attorney Wruck and his firm."
– J B
"Attorney Wruck did an amazing job in settling my personal injury case. His knowledge and experience specific to semi-truck accidents made all of the difference in the outcome of my case; the settlement exceeded my expectations!"
– James M.
"Exceptional team. They took on my case and made sure that I was consulted on every issue. If it wasn’t for the caring staff and my legal team I don’t know what I would have done. Everyone did an awesome job thanks so much for your help."
– Rhonda M.
– Adriana
"Wruck Paupore was fantastic. I was informed every step of the way, they did all of the work, and I got my case settled."
– Idell J.
"It was awesome watching Donald Wruck at work during mediation. He really fights for his clients."
– Lisa L.
"Wruck Paupore did more than they promised and did all of the work. I was worried about bills and dealing with insurance people. They did everything while I recovered. They were not concerned about earning money but about helping me and my husband."
– Edithe P.
"Don did a great job on my case! Staff was amazing! Kept me in the loop the entire time. I highly recommend!!!!"
– Dana L.
"A great experience from beginning to settlement. Handled our case from start to finish. Explained every step and communicated very well."
– William H.

Your Legal Team

Your Legal Team

Top-Rated Litigator.
Helping injury victims move forward.

Don is a founding partner and one of the nation’s top-ranked personal injury litigators. He is a member of the Multi-million Dollar Advocates Forum, which includes less than 1% of the nation’s trial lawyers, and awarded the highest ranking given by Martindale Hubbel and AVVO.

More importantly, Don understands representing personal injury victims is about more than recovering the best settlement: it’s about helping clients get back on their feet and supporting them in every aspect of their recovery.

Best Indiana Auto Accident Lawyer
Understanding the Insurance Company:
Getting Results.

In nearly all cases, our clients seek compensation from the wrongdoer’s insurance company. Before forming Wruck Paupore, Jason worked for a prominent law firm representing some of the world’s largest insurers. This experience gives Jason a deep understanding of the insurance industry and the strategies it uses to pay injury victims as little as possible.

Jason -- and our entire team -- put this inside knowledge to work to force insurance companies to pay what is actually owed. Often, we use the insurance company’s own tactics against them as we fight for the full compensation our client deserves.

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More than 40 Years of Experience.
Still Fighting for Justice.

For more than four decades, Keith has been fighting for injury victims. During that time, he’s watched the insurance industry change, with insurers now more interested in protecting their stock price than treating injury victims fairly.

Since the beginning, Keith has put people first. From his childhood in Gary, Indiana during the 1960’s and working his way through law school, Keith has risen to become one of the Midwest’s most respected trial lawyers. He has never forgotten that being a lawyer is about helping people -- and seeing injury victims through struggles in a way that could change their lives forever.

Over the decades, Keith, Don and Jason have fought relentlessly for clients, even when other lawyers have said the case was impossible to win.

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***Every case is unique and your results will differ. Contact us for a free case review of your circumstance.

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