NEW ALBANY CAR ACCIDENT ATTORNEY

After a crash, it’s completely normal to feel uncertain about whether you have a claim at all. In New Albany, the answer usually depends on three main factors: whether you suffered injuries with real financial or physical impact, whether another driver’s carelessness contributed to the collision, and whether there is insurance coverage available to pay for your losses.

A strong claim generally involves medical treatment, missed work, or ongoing pain that disrupts your daily life. When another driver’s negligence, such as speeding, texting, running a light, or failing to yield, played a role, that connection strengthens your right to pursue compensation. And because most recoveries come from insurance rather than individuals, the policies involved are also an important part of the equation.

If any of this feels unclear, you’re not alone. A New Albany car accident attorney can review your injuries, the police report, and the details of the crash to help you understand whether you have a viable case and what your next steps should be.

Your safety comes first. Check for injuries, call 911 if anyone is hurt, and move your vehicle out of traffic if possible. Even in minor collisions, always call the police; Indiana insurers rely heavily on police reports when determining fault.

Exchange information with the other driver, but avoid apologies or statements that could sound like admissions of fault. Photos and video are invaluable: document vehicle damage, road conditions, weather, nearby signs, and anything that helps tell the story of how the crash happened.

Even if you feel “fine,” see a doctor as soon as possible. New Albany accident victims frequently discover injuries, like whiplash, concussions, or back strain, hours or days later. Your medical visit not only protects your health but also creates a vital record of your injuries.

Finally, speak with a car accident lawyer as early as you can. Evidence fades, and insurance companies often begin building their case immediately after the crash.

Indiana gives injured people a limited window to file a lawsuit. While the exact deadline depends on your case, the safest approach is to act quickly. Waiting too long can mean losing the right to compensation entirely.

Some injuries aren’t obvious right away, so the clock doesn’t always start immediately. But once you know (or should know) that you were hurt, the timeline begins to matter. A lawyer can help you understand your specific deadline and protect your ability to file.

Timelines vary. Some straightforward cases settle within a few months, while more complex claims, especially those involving serious injuries, disputed fault, or multiple insurance policies, may take longer.

Your attorney investigates the crash, gathers medical records, calculates damages, and negotiates with insurers. Many cases settle before trial, but when an insurer refuses to be reasonable, filing a lawsuit may be necessary. Litigation can take longer, but it may also result in significantly higher compensation.

Compensation depends on how the crash affected your life. Many injured people can seek:

• Medical expenses (past and future)
• Lost wages and reduced earning ability
• Pain and suffering
• Emotional distress
• Permanent disability or disfigurement
• Loss of enjoyment of life
• Property damage, including vehicle repairs or replacement
• Punitive damages in cases of reckless or intentional misconduct

Every case is different, and your attorney can help calculate the full amount you may be entitled to under Indiana law.

Yes, Indiana follows a modified comparative negligence rule. You can recover compensation as long as you are 50% or less at fault. If you’re 51% or more responsible, you can’t recover damages.

If you share some fault, your compensation is reduced by your percentage of responsibility. Insurance companies know this rule well and may exaggerate your role in the crash to minimize payouts. A lawyer can push back with evidence and protect your rights.

Fault is usually established through a combination of:

• Police reports
• Photos and video from the scene
• Witness statements
• Traffic laws and potential violations
• Vehicle damage patterns
• Accident reconstruction analysis
• Medical records documenting how injuries occurred

Morgan & Morgan’s accident reconstruction experts may step in during disputed or complex crashes to fully analyze what happened and help strengthen your case.

Unfortunately, uninsured and underinsured drivers are common. If you have UM/UIM coverage, your own policy may step in to help cover medical bills, lost wages, and more. These cases can be surprisingly difficult because you are technically filing a claim against your own insurer, who may still work to minimize payment.

An attorney can help you navigate these claims, negotiate with the insurance company, and ensure all available coverage is explored.

Hit-and-run crashes are frightening, but you still have options. Try to recall any detail, such as the vehicle make, color, partial plate, or direction of travel, and look for witnesses. Always call the police and seek medical treatment.

Even if the other driver is never found, you may still recover compensation through your uninsured motorist coverage. A New Albany attorney can help you file the right type of claim and work through the insurance process.

Accidents involving Uber, Lyft, Amazon, or DoorDash drivers can be complicated. Coverage may depend on whether the driver was logged into the app, carrying a passenger, or completing a delivery at the time of the crash.

These cases often involve several insurance policies and overlapping rules. A lawyer helps identify which policy applies, handles communication with multiple insurers, and ensures you don’t get bounced between companies trying to avoid responsibility.

Even a small crash can cause hidden injuries or long-term pain. And minor cases still face pushback from insurers who hope you’ll accept a low settlement.

A lawyer can review the offer, assess whether it covers your medical care and future needs, and negotiate for a fair outcome. You don’t need an attorney in every minor case, but speaking with one early can help you avoid mistakes.

Nothing upfront. Morgan & Morgan works on a contingency fee basis, which means you only pay if we win—no hourly rates. No retainers. No out-of-pocket costs.

With offices throughout the region and attorneys licensed nationwide, Morgan & Morgan has the resources, experience, and trial readiness that insurers take seriously. Our clients get a full team —including lawyers, investigators, paralegals, and medical experts—to back their case. And with $30+ billion recovered, our results speak for themselves.

When you hire us, insurance companies know you mean business. You get the support, strategy, and advocacy needed to move forward confidently while you focus on healing.

If you’ve been injured in a car accident in New Albany, you don’t have to navigate the aftermath alone. Contact Morgan & Morgan for a free, no-obligation case review and learn how we may be able to help you recover.