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Settling a Personal Injury Claim with an Insurance Company in Indiana


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While a personal injury is traumatic in most cases, it is hardly a rare event. However, settling a personal injury claim with an insurance company can be laborious.

Fortunately, an Indiana personal injury lawyer can provide critical support during settlement negotiations that can make all the difference in the compensation you recover. There are many important steps before reaching an agreement to settle a case. Many personal injury cases require a great deal of evidence to be gathered before a final evaluation for a claim can be made. Once the demand is made to an insurance company, many factors will impact the time it takes to recover compensation and whether filing a lawsuit will be necessary.

If you suffered a personal injury and need help settling your case, our Indiana personal injury lawyers can provide the skills and experience you need. Contact Wruck Paupore at (219) 322-1166 for a free case consultation.

How are Personal Injury Cases Settled with Insurance Companies in Indiana?

Settling insurance lawsuits can be tedious, with numerous steps to complete before compensation is recovered. Each step in the settlement process is critical, and compensation can be lost if a victim is inexperienced with insurance companies. While there is no legal requirement to have a lawyer settle your personal injury case, having one represent you in negotiations can make all the difference in maximizing the settlement amount you receive. Our Indianapolis personal injury lawyers can help guide you through each step of the settlement process and ensure you are treated fairly throughout.

Collecting Evidence

The first step to settling your personal injury case is to collect evidence supporting it. This is one of the most crucial steps in the process. In Indiana, evidence will need to be collected to submit to an at-fault party’s insurance company to show that their policyholder was at fault for causing the accident in which you were injured. The evidence used in settlement negotiations includes police reports, medical records, witness statements, photographic evidence, and other relevant evidence supporting your claim that the other person was at fault.

Filing a Lawsuit

Once the required evidence from your accident has been collected, you will be ready to file a lawsuit against the at-fault driver. Your evidence will be submitted along with a complaint detailing your personal injuries and how they were caused, after which you will typically receive a trial date and can begin the discovery phase.

Sending a Demand Letter

The next step will be to have your Indiana personal injury lawyer help you prepare a demand letter to send to the insurance company. Your demand letter will describe the damages you suffered, the effects your injuries have had on your life, and the amount of financial compensation you require to be properly compensated.

The demand letter should also include a detailed account of the accident and how the insurance company’s policyholder is at fault. Much of the evidence initially gathered for your case will be submitted to support the amount of compensation demanded to cover your injuries.

Offers and Counteroffers

After the insurance company has reviewed your demand package, the all-important offer and counteroffer phase begins. Many insurance companies will send low offers to pressure you into settling for less than your case is worth. An insurance company might argue that you need to provide more evidence to justify the demand or that the amount demanded is too high.

However, a bad first offer does not signal the end of negotiations. Your Indiana personal injury lawyer can use their experience and skill to determine a counteroffer that works for you. Insurance companies are more likely to offer a fair settlement amount for your case and not engage in games when negotiating with a victim represented by an attorney. If a counteroffer is rejected and settlement negotiations have stalled, our Fort Wayne personal injury lawyers will be ready to see your case through trial.

How Long Will It Take to Settle a Personal Injury Case with an Insurance Company in Indiana?

Unfortunately, there is no definitive way to know how long a personal injury lawsuit will take to settle. The time it takes to settle a personal injury case relies greatly on the types of injuries a person suffered and how long it might take to recover fully. In most cases, victims will want to wait until they reach what is known as maximum medical improvement before making a final evaluation of their case. Maximum medical improvement is when your medical provider concludes you will not benefit from further treatment. If your injuries are relatively minor, you will usually achieve maximum medical improvement quickly, and your lawsuit can be processed that much faster.

Settlement negotiations can last longer if a victim’s injuries are more significant. More severe injuries typically mean the case is more complex. An insurance company might take more time reviewing a complex lawsuit to find errors that they can exploit. Also, your settlement demand will likely be high if your injuries still impact you after reaching maximum medical improvement. Insurance companies might drag their feet on negotiations involving potentially high payouts. Our South Bend personal injury lawyers can help you determine the likely timeframe to negotiate a settlement for your case.

Our Indiana Personal Injury Lawyers Can Help

If you need to recover compensation after being injured, our Indiana personal injury lawyers will fight to ensure you receive every penny you are owed. For a free review of your case, call Wruck Paupore today at (219) 322-1166.

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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.

Best Personal Injury Lawyers Indianapolis
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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Proven Results

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

Real Client Testimonials