How Your Indianapolis, IN Truck Accident Lawyer Can Navigate Insurance Claims

As essential as trucking is to life in Indianapolis, truck accidents remain some of the city’s most devastating events, disproportionately inflicting catastrophic injuries that could stretch your finances to the breaking point. Fortunately, you may be eligible to pursue a claim for compensation if there’s an applicable insurance policy, and a skilled attorney could increase […]

December 4, 2025

Truck Accidents Present Distinct Challenges

If you get hurt in an auto accident through no fault of your own, your primary sources of economic recovery will usually be the insurance companies for the parties who caused it. Truck accidents are no exception, although they can present distinct opportunities as well as distinct challenges that rookie claimants may find overwhelming.

For instance, far too many passenger vehicles in Indianapolis are either uninsured or underinsured, and the expenses you may incur when one of them crashes into you on the I‑65/I‑70 Split or some other local roadway could potentially exceed the funds available to reimburse you. However, this is less likely to happen after a collision with a commercial truck, even if your losses will probably be greater, thanks to how much more insurance coverage there might be, depending upon the cargo and the truck’s “Gross Vehicle Weight Rating” (GVWR).

According to the Indiana Department of Revenue’s Motor Carrier Services Commercial Motor Vehicle Guide, a “for-hire carrier transporting nonhazardous property in a vehicle with a GVWR of 10,000 lbs. or less” in the state must carry at least $300,000.00 worth of liability insurance. This number goes up to $750,000.00 for any truck weighing more than that amount, assuming the freight is still “nonhazardous,” and the minimum insurance coverage can jump to anywhere from $1 million to $5 million when “hazardous material” is being hauled.

But these substantial insurance requirements can be something of a double-edged sword because the added coverage can expose an insurance company to added losses. In turn, this can create an added incentive to push back against your claim in order to stop the fiscal bleeding, which can be more easily accomplished if you don’t have a capable attorney at your side.

While this may be your first truck accident, it won’t be the first for a veteran insurance adjuster, who could exploit your relative unfamiliarity with the claims process to settle your claim for less or simply deny it altogether, leaving you with few options during an already difficult time.

What a Dedicated Law Firm Can Do for You

Clearly, you could be at a major disadvantage if you try to handle a truck accident claim by yourself. Nevertheless, the advantage can be yours when you partner with the Indianapolis, IN truck accident lawyers at Hensley Legal Group, PC, a dedicated Indiana personal injury law firm whose experienced attorneys have been fighting on behalf of the wrongfully injured since 1998.

Just as it won’t be the first accident for the adjuster, neither will it be for the first for a seasoned lawyer, who will know how to fend off the tricks and tactics that would otherwise be deployed against you, a key reason why plaintiffs with attorneys tend to receive 3.5 times more on average.

Once retained, your lawyer will launch a thorough investigation into the truck accident, identify all of the defendants who contributed to it, and establish valid claims against them by sending formal notification in writing and alerting their insurers.

If warranted, your attorney may also file a lawsuit in a court with the power to issue a binding judgment before moving swiftly to amass the evidence necessary to build your case, such as:

Police reports
Tickets and dispositions
Photos and video footage
Eyewitness statements
Black box data
Phone records
Hours of Service (HOS) and maintenance logs
Forensic analysis and accident reconstruction

When confronted with irrefutable proof of both the extent of your damages and the depth of the insured’s misconduct, an adjuster may propose a healthy settlement rather than risk a disastrous verdict, though a lawyer will become indispensable if your case goes to trial.

Yet regardless of how your claim is resolved, you can put yourself in a better position to obtain what you deserve by hiring a battle-tested Indianapolis, IN truck accident attorney.

Our Indianapolis, IN Truck Accident Lawyers Will Be Here for You

Hensley Legal Group has been standing up for the innocent victims of negligence for nearly 30 years. If you are struggling to get back to normal after being badly injured by a truck in the Indianapolis area, our Indianapolis, IN truck accident lawyers will be here for you.

Please call us at (317) 472-3333, chat with us online, or fill out our contact form now to schedule a free case review with a knowledgeable Indianapolis, IN truck accident attorney.