Indiana Personal Injury Guide — Claims & Deadlines
Negligence, fault rules, damages, and the deadline to file — what makes Indiana injury claims different.
A personal injury claim starts the moment you are hurt and follows a path shaped by your state's fault rules, filing deadlines, and the insurance involved. The outcome depends on three things: whether someone else was at fault, whether you act within the legal deadline, and how well the harm is documented. Below is the general sequence — from the injury itself through resolution — with the key decision points that determine what a claim is worth and whether it survives.
Indiana's fault rule: Modified comparative fault (51% bar)
Indiana follows modified comparative fault — damages are reduced by the injured person's percentage of fault, but if the injured person is 51% or more at fault, they recover nothing.
The deadline to file §34-11-2-4
Indiana's Statute of limitations for personal injury is 2 years from the date of injury §34-11-2-4.
Indiana recognizes a discovery rule — meaning the clock may start when the injury is discovered (or should have been discovered) rather than when it occurred.
Indiana personal injury at a glance
| Rule in Indiana | |
|---|---|
| Statute of limitations (PI) | 2 years §34-11-2-4 |
| Statute of limitations (wrongful death) | 2 years §34-23-1-1 |
| Fault rule | Modified comparative fault (51% bar) §34-51-2-6 |
| Damage caps | 3x compensatory or $50,000 (whichever greater) (punitive) §34-51-3-4; $1,800,000 total (for claims after July 1, 2019) (medical malpractice total) §34-18-14-3 |
| Auto insurance minimums | 25/50/25 §9-25-4-5 |
What you can recover
- Medical expenses — past and future treatment, rehabilitation, prescription costs
- Lost income — wages lost during recovery and reduced future earning capacity
- Pain and suffering — physical pain, emotional distress, loss of enjoyment of life
- Property damage — repair or replacement of damaged property
Indiana imposes caps on certain types of damages, which affect the potential value of a claim §34-51-3-4 §34-18-14-3.
Common types of personal injury cases
What to do after an injury
- Get medical treatment immediately and follow through — gaps in treatment undermine claims
- Preserve evidence: photos, incident reports, witness names, and contact information
- Do not give recorded statements to insurance companies before understanding your rights
- Document everything: expenses, missed work, how the injury affects daily life
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Frequently Asked Questions
General answers to common questions. Specific outcomes depend on your facts and timing.
If you have a deadline, court notice, or upcoming hearing, mention it when requesting assistance so timing can be evaluated promptly.
- 2-year statute of limitations for most personal injury claims
- Wrongful death: 2 years from date of death