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An insurance company providing Indiana medical malpractice coverage to a doctor, nurse, hospital or other health care provider in Indiana owes its clients a duty of care to carefully consider any injury or wrongful death claim and act in good faith to reach a fair resolution. If the insurer has exclusive control in settlement negotiations, then rejects a claimant’s reasonable offer to settle the case within policy limits prior to or even during trial, the insurer can be responsible for a verdict in excess of policy limits.

As experienced Highland medical malpractice attorneys can explain, Indiana law has been written and interpreted this way to compel insurers to treat medical malpractice claimants fairly. Think about it: If the worst that could happen at trial for a medical malpractice insurer is that they’d have to pay the policy limits, what incentive would there be for them to settle for that amount – even if a person’s losses were obviously far in excess of that, before the case goes to trial? It would cost them the same either way.

Per the 1972 Indiana Court of Appeals decision in Bennett v. Slater, an insurer is liable to its insured for a judgment exceeding policy limits when the insurer had exclusive control of defending/settlement and doesn’t settle within the policy limits because of bad faith or negligence.

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A verdict of more than $1 million in favor of an Indiana car accident victim was affirmed by the Indiana Court of Appeals, which found reasonable basis for this compensation, even though the rear-end collision was low-speed and caused only minor damage to the vehicle. Highland car accident attorneys point to the outcome of this case as an example of the fact that an Indiana auto accident need not be severe or result in horrific crash scene photos in order to result in serious injuries. So long as your injury lawyer can prove the damages you suffered were result of the collision, compensation should be made available from the at-fault driver.

Possible losses may include past and future medical bills, past and future wage losses and lost earning capacity, emotional anguish, loss of life enjoyment and loss of consortium. To pursue a comprehensive damage claim is not excessive; those are real losses, and you should not be the one to bear them without compensation if they were the result of someone else’s negligence.

According to court records in Tunstall v. Manning, the 31-year-old plaintiff was stopped at a stop sign preparing to turn right out of her apartment complex in Indianapolis when the defendant approached from behind, failing to realize plaintiff was still at the intersection. Defendant hit her brakes and swerved just before colliding with plaintiff, striking the rear left corner bumper, and pushing plaintiff’s vehicle onto the road. Fortunately, there was no oncoming traffic. After moving her vehicle out of traffic, plaintiff called 911 and then her mother. While at the scene, plaintiff experienced a headache and neck pain. She refused an ambulance but had a friend take her to the emergency room for treatment of whiplash. Continue reading

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A severe brain injury stemming from a car accident in Hammond, Indiana two years ago is the basis of a personal injury lawsuit filed against the Lake County Sheriff’s Department and its deputy after the law enforcement officer allegedly ran a red light and t-boned another driver. NWItimes.com reports the officer told the investigating agency, a local police department, that he’d been “in the process of” turning on his sirens and emergency lights in order to initiate a stop on a suspected drunk driver at the intersection of Gostlin Street and Columbia Avenue in the Irving neighborhood when the collision occurred.

As our Hammond car accident lawyers understand it, the plaintiff alleges that the officer disregarded the red traffic signal, traveled at high speeds and did not act with reasonable care by failing to turn on his siren or emergency lights to alert other motorists. The officer did not maintain a proper lookout or press the brakes before proceeding through the intersection, the plaintiff alleges. The cruiser struck plaintiff’s pickup truck, which then overturned several times.

The plaintiff suffered numerous injuries, including a traumatic brain injury that is irreversible and which impairs his physical activity, and causes him pain and mental suffering and loss of life enjoyment. Adding to defendant’s alleged culpability, the plaintiff points to the department having a higher-than-average number of collisions involving deputies in pursuit, and the department’s continued lack of training and supervision despite this knowledge. The plaintiff’s injury lawyer also raised the issue of the sheriff’s office demanding to take over investigation of the crash from the Hammond Police Department, despite (at the least) a clear appearance of bias. Police officers did indicate the cause of the crash was apparently the deputy’s failure to yield and traveling at unsafe speeds, though the officer was not cited.  Continue reading

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Indiana work injuries have been on the decline in recent decades, with roughly 60 percent fewer non-fatal occupational injuries and illnesses reported statewide since 1992. Still, a recent annual report by the Indiana Department of Labor reveals there were still 84,300 reported work injuries in Indiana, with nearly half requiring one or more days away from work or days with job transfer or restriction.

If you are an employee injured at work, your exclusive remedy against your employer is usually workers’ compensation, outlined in IC  22-3-2 through IC 22-2-6, which gives you just 30 days to submit notice to your employer and 2 years in which to formally file a claim for benefits. This assumes, of course, that you are actually an employee and not an independent contractor (a designation on which your employer doesn’t have the last say and which is often legally disputed). It also assumes your injury occurred in the course of and arose out of the scope of your employment. Workers’ compensation is meant to cover all related and reasonable medical expenses, a portion of lost wages, funeral expenses and other benefits, depending on the circumstances. However, securing full benefits to which you are entitled is often a challenge. In some cases, workers may have grounds to pursue a personal injury lawsuit for third-party liability if someone other than an employer or coworker was at-fault. An experienced work injury lawyer in Gary can best help protect your rights following a serious on-the-job injury.

The Indiana Department of Labor reports the most hazardous industries in the state for work injuries include agriculture and forestry, healthcare and social assistance, manufacturing, waste management, transportation and warehousing, arts/recreation/entertainment, accommodation and food service.  Continue reading

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A jury verdict of $21 million that was awarded to an Indiana drunk driving injury plaintiff, who is quadriplegic as a result of the collision, has been affirmed by the Indiana Court of Appeals, which refused defendants’ request for a new trial. It is one of the largest personal injury damage awards in history. The original award, $35 million, was reduced upon a finding of comparative fault by the plaintiff.

Plaintiff and defendant worked together at a local restaurant chain and frequently drank together, which is what they did after work one night in February 2016. The two became so impaired that an employee asked plaintiff to leave, and the two exited together. The employee called a taxi for the pair. But as the taxi pulled in, the pair exited the parking lot, defendant at the wheel of his pickup truck, plaintiff in the passenger seat. Minutes later, defendant crashed into a tree, the impact breaking plaintiff’s neck, rendering him quadriplegic, with no sensation or control from the neck down. Defendant’s blood-alcohol concentration was measured at 0.208 an hour after the crash.

Drunk driving injury lawsuits bring to the forefront a sobering reality with which our Munster injury attorneys are all too familiar. Here in Lake County, Indiana, the Indiana Criminal Justice Institute reports there were 345 alcohol-impaired collisions in 2016, roughly 2 percent of the total but accounting for a disproportionate percentage of fatal crashes (10 percent) and injurious crashes (4 percent) . Statewide, the Indiana University Public Policy Institute reveals 83 crash deaths in 2016 involved a driver who was illegally impaired by alcohol (down from 177 in 2012). Alcohol was more likely a factor in single-vehicle crashes than multiple-vehicle collisions, and impairment rates were highest among drivers of pickup trucks. Continue reading

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Indiana work injury claims are typically resolved through an employer’s workers’ compensation insurer. It’s only with disputed work injury claims that the potential need for litigation arises. There is an Informal Dispute Resolution process, and those not resolved through that can only move forward if an injured worker files an SF29109 form, at which time the case is assigned to a hearing member for the Indiana Workers’ Compensation Board. If either side disagrees with that decision, an appeal can be made to the full workers’ compensation board panel, then to the Indiana Court of Appeals and lastly to the Indiana Supreme Court. With an experienced Highland work injury lawyer focusing on your case, it may not be necessary to press it that far, but you need to know your attorney will fight for your best interests and refuse to settle if you aren’t getting fair treatment.

It is worth noting too that while workers’ compensation is the exclusive remedy available for an injured employee against the employer, separate third-party claims can be asserted against non-employer defendants alleged to have been negligent in causing the accident/injury.

Still, not all workers are treated exactly the same under federal or state law. Indiana railroad workers are among them. When one of Indiana’s hundreds of railroad employees suffers a work-related injury, they must recover for injuries under the Federal Employer Liabilities Act, or FELA, as outlined in 45 U.S.C. 51, liability of common carriers by railroad for injuries to employees from negligence. Continue reading

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Millions of people are injured in U.S. car accidents annually. Roughly 30,000 die. Road rage injuries and deaths can be included in those figures, but not always. If a person is rear-ended by an aggressive driver following too closely, failing to yield or traveling too fast for road conditions (as spelled out in Title 9 of Indiana Code on motor vehicles), such instances would be included in crash statistics. However, incidents involving person-on-person violence stemming from road rage likely would not. For Highland personal injury attorneys, that difference is also instructive when determining a road rage victim’s legal options. That’s because while accidents are covered by Indiana auto insurers, intentional acts of violence generally are not, and are usually expressly excluded in the policy language.

That does not mean violent road rage incidents are not actionable and compensable, but your injury lawyer will have to carefully examine the facts of the case to identify defendants, determine theories of liability and find out whether there is a means to actually collect on whatever damages may be won.

Indiana Worst for Road Rage Fatal Injuries

Indiana was recently ranked the worst state for road rage by the Auto Insurance Center, which determined 10 percent of fatal crashes in Indiana between 2005 and 2015 involved road rage and aggressive driving. Troopers say drivers who commit road rage are either ignorant of the law or do not care. Even those in marked patrol cars say they have been targeted by road rage.  Continue reading

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Scooters in Indiana have become  increasingly popular for recreation and commuting, but Indiana scooter injury lawyers are concerned we’ll be seeing an uptick of crashes, particularly those involving scooters with cars or trucks. Although the bright yellow bicycles of the Pacers Bikeshare have been integrated for the last four years (slated to double in size in the next two years), urban vehicle operators still aren’t used to seeing people on the even smaller-profile scooters gliding along the roadways and through crosswalks.

Bird electric scooter-share’s dockless scooter service in Indianapolis launched in the spring along Mass Ave. and also in Irvington, relying on smartphone apps to track and bill users.  Licensed adult locals and visitors alike have been making use of them for leisurely downtown tours in Fountain Square or City Market or a breezy ride along nearby bike paths like Pennsy Trail, though Bird scooters are actually advertised to those needing a boost on that “last mile” of their trek or short commute when it’s slightly too long to comfortably walk. They were so popular, the Indianapolis scooter market got competitive when Lime (formerly LimeBike, now in 50 cities globally) launched its Indianapolis scooter share, pricing itself low and muscling its way in to the Hoosier market.

Our injury attorneys in Gary and Munster (who also serve Indianapolis) see the biggest safety fear centering on the fact that scooters are going to be interacting with often crowded downtown traffic. Riders are instructed to use the bicycle lane (staying off sidewalks and roads) and park well clear of public roads (a directive users aren’t strict about following). All this puts riders at risk of an Indiana scooter crash.

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Most workers in Indiana are supposed to be covered by worker’ compensation insurance, paid for by their employer to cover reasonable medical expenses and a portion of lost wages if they’re hurt at work. There are a few exceptions, but often when companies pay cash under-the-table, they are breaking the law (and probably don’t have workers’ compensation insurance for you). That means if you’re seriously injured at work, you should discuss your legal options with an Indiana personal injury attorney right away.

Some companies specifically avoid paying above-board wages because then they’d incur other costs, like insurance for unemployment and workers’ compensation, requirements to pay overtime, administrative payroll expenses and other costs. Others will wrongly classify “employees” (entitled to these benefits) as “independent contractors.” But even independent contractors usually have clear written terms and are asked to file a tax form. Many times, companies will pay cash specifically for illegal immigrant workers, but you should know that your immigration status has no bearing on the Indiana workers’ compensation or personal injury benefits to which you are entitled. If you are paid under-the-table and are hurt at work, your claim for benefits/ damages could be more complicated than a typical work injury case. An experienced Munster work accident lawyer can best help you navigate the system and obtain appropriate compensation.

Recently, the Indiana Court of Appeals dealt with one such case, wherein a worker was seriously injured and his small business employer, someone he’d worked for under-the-table for nine years in the logging industry, was killed in that accident.

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As noted by the Indiana Department of Insurance, each newly written Indiana auto liability policy must include uninsured and underinsured motorist coverage – unless it is rejected by the insured in writing. These limits mirror those of bodily injury liability (what you pay if you’re at fault for someone else’s injuries), with stipulated minimums being $25,000 per person and $50,000 per crash.Uninsured motorist (UM) coverage protects you in the event you are struck by an at-fault driver who does not have insurance or who fled in a hit-and-run accident. But just because you have this coverage does not mean you will be automatically entitled to collect it after a collision. Your Indiana car accident attorney will need to show:

  • The driver who struck you was negligent/at fault for the crash;
  • Neither the driver nor the automobile had auto insurance coverage (or enough coverage), OR you were unable to identify the driver; and
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