The multiplier method with Indiana's actual rules applied: modified comparative, 51% bar, a 2-year filing window. Every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice. Every claim is different.
You recover if your fault is 50% or less, reduced by your share. Caveat: claims against government defendants still use contributory negligence. Any fault bars them. (IC §34-51-2-6)
2 years (IC §34-11-2-4). The clock is jurisdictional. One day late and no court will hear the case.
At-fault state, no PIP.
Minimum liability coverage: 25/50/25, meaning $25,000 per person, $50,000 per accident, $25,000 property damage. (IC §9-25-4-5) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
With provider exposure capped at $500k and the excess paid by the Patient's Compensation Fund up to the $1.8M ceiling, Indiana malpractice cases settle in two rounds against two different payers, and catastrophic value is ceilinged regardless of actual damages.
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then Indiana's fault rule is applied: You recover if your fault is 50% or less, reduced by your share. Caveat: claims against government defendants still use contributory negligence. Any fault bars them. The calculator on this page runs exactly that math and prints every line.
2 years (IC §34-11-2-4). Miss the deadline and the claim is barred permanently, no matter how strong it is. Claims against government entities often have much shorter notice requirements.
At-fault state, no PIP.
Compensatory damages: No cap in ordinary injury cases. Punitive damages: Greater of 3× compensatory or $50,000, and you keep only 25% (75% goes to the state fund). Medical malpractice: Hard total cap of $1.8M; the provider pays at most $500k, the state Patient's Compensation Fund pays the excess.