How long do I have to file an auto insurance claim in the State of Indiana?

Question

My ex daughter-in-law put her new mother-in-laws van into reverse while I was standing on the drivers side.  The large side view mirror slammed my left breast & bruised me up.  It also caused me to limit the use of my left arm until I was able to have my muscles heal from the impact.  It took approx. 7 days for me to start to feel better physically but emotionally I have been a wreck.  I saw several doctors & went to counseling.  I was placed on different antidepressants.  It is almost 1 yr now & I wanted to make sure I did not have anything else occur.  My emotional baggage has been more then enough.  The court also granted me an order of protection for 2 yrs.  How long before I need to file a claim with the insurance company of the person who owns the vehicle?  She already contacted her insurance that an accident had occurred.  What do I need to do now?

STEVEN F · Answer

You SHOULD have opened a claim immediately, and held of settling. As it stands, regardless of the statute of limitations, you are most likely out of luck, because it is now IMPOSSIBLE to show your injuries resulted from the incident, and not from something that happened later.

For the record, Richard is correct that your claim is NOT against the insurance company, but against the DRIVER.

For the record, Richard is correct that your claim is NOT against the insurance company, but against the DRIVER.

rickinnocal · Answer

You have NO grounds to make a claim against the insurance company.

You claim against HER - it is up to her to then involve her insurer.

The civil Statute of limitations for a personal injury case varies by State. In my State it is a year, so I would not delay any longer if I were you. (Some States are six months, so you 'might' already be out of luck.

Richard

Anonymous · Answer

If you had medical expenses and lost days at work, you should certainly file with her insurance to be reimbursed. But it sounds like your emotional issues come more from this being your EX daughter in law than anything else. People certainly recover from much more serious accidents than this all the time.

How long do I have to file an auto insurance claim in the State of Indiana?

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