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Commuters may face higher accident risks

If you commute to work, you probably see car accident scenes from time to time. Indiana’s busy roads and highways are often more congested during rush-hour traffic, increasing your likelihood of experiencing a collision yourself.

Car accidents can have serious consequences for those involved. These accidents, injuries and resulting damages may have long-lasting effects on your physical, emotional and financial well-being. Fortunately, you may qualify to seek compensation from the at-fault parties, even if you are partially to blame for the crash.

Increased accident risks

Rush-hour traffic often leads to congestion and stop-and-go conditions, increasing the likelihood of rear-end collisions. With more vehicles on the road and heightened stress levels, commuters may encounter distracted or aggressive drivers during peak travel times.

Fatigue from long commutes can also impair drivers’ reaction times and decision-making abilities, contributing to accidents.

Medical expenses

Injuries sustained in car accidents often require medical treatment, including hospital stays, surgeries, medications and rehabilitation. The cost of medical care can quickly accumulate, placing a significant financial burden on the injured person and their family.

Lost wages

Car accident injuries may prevent individuals from working, resulting in lost wages or income. This loss of income can further add to financial difficulties, especially if the person is the primary breadwinner in their household.

Pain and suffering

Physical injuries from car accidents can cause significant pain and suffering, impacting the individual’s quality of life and mental health. Additionally, the emotional trauma of being in a car accident can lead to anxiety, depression and post-traumatic stress disorder.

Property damage

Car accidents often result in damage to vehicles and other property. Repairing or replacing damaged vehicles can be costly, especially for people who do not have adequate insurance coverage.

Legal process

Those injured in car accidents may pursue compensation by filing a personal injury claim with the at-fault driver’s insurance company. Insurance companies may offer settlements to cover damages. These offers typically aim to resolve claims quickly, but they may not always be fair. You do not have to accept these initial offers.

Negotiating with insurance companies can help you secure higher compensation. Carefully review settlement offers to ensure you receive fair amounts for your various injuries and losses.

Modified comparative negligence

In Indiana, modified comparative negligence applies in car accidents, allowing injured parties to seek compensation as long as they are less than 51% at fault. However, their percentage of fault reduces their compensation. If a plaintiff is 51% or more at fault, they cannot recover damages.

Knowledge makes a difference

Drivers who understand the increased risks of rush-hour traffic and the factors involved in accident claims are better equipped to handle their commutes and stay safe on the road.