Whose Insurance Pays in a Fishers, IN Self-Driving Car Accident?

February 3, 2026

• Self-driving technology may be cutting edge, but the rules governing car accidents in the Fishers area remain the same, no matter who – or what – is driving.
• Yet just a the rules haven’t changed, neither have the challenges you might face if you try to square off against obstinate auto insurance companies.
• Fortunately, you can overcome any challenges in your way with help from the seasoned Fishers, IN car accident lawyers at Hensley Legal Group, PC.

Totally autonomous or “self-driving” vehicles may not be currently permitted to operate in Indiana, but their introduction to the Hoosier State is probably inevitable. Unfortunately, this means that collisions with self-driving cars are probably inevitable as well in major Indiana cities like Fishers, and it’s only natural to be concerned about the impact that this new technology may have on our existing laws and customs. For instance, while the primary avenue of financial recovery for a traditional car accident is generally the insurance coverage of whomever is at fault for it, whose insurance pays in a Fishers, IN self-driving car accident? Join us to find out what you should know if you get hurt by an autonomous vehicle.

The Old Rules Should Still Apply…

It may be true that the future is unpredictable, but it also tends to be true that the more things change, the more they stay the same, and car accidents are no different. As such, the old rules that govern a classic car accident on a Fishers thoroughfare like the 106th Street & I-69 Interchange should still apply to a self-driving car accident that occurs at the same location.

And under those rules, the individual behind the wheel should ultimately bear responsibility when a self-driving car accident takes place in Fishers, IN, regardless of whether the autonomous functions of the car were being deployed at the time of the crash. Moreover, any insurance policy that the defendant has on the vehicle should similarly apply and may therefore have to pay when the self-driving car inflicts harm.

…But the Old Challenges Still Apply Too

But if the old rules for regular car accidents still apply to self-driving car accidents, the old challenges still apply too, including the challenge of identifying everyone who should be pursued over it.

Because just as defendants other than the driver could be liable for a standard Fishers, IN car accident, so might other defendants in the event of a Fishers, IN self-driving car accident, such as the:

• Self-driving car’s owner
• Business or ride-sharing service making use of the self-driving car
• Mechanic tasked with repairing the self-driving car
• Manufacturer of a defective self-driving car or onboard operating system

Very often, multiple defendants will share blame simultaneously, and you could be forever barred from receiving full compensation if you don’t go after them all within the time allotted by law.

Not that your troubles will simply disappear if you do, since you will likely face stiff opposition from their insurance companies, who could take advantage of your relative unfamiliarity with the claims process to settle your claim for less, assuming it isn’t denied altogether.

How Securing Skilled Legal Assistance Can Help

A self-driving car may promise to make your life easier, but it certainly won’t make your path to justice any easier if you’re injured in an accident with one. Nevertheless, you can start clearing that path by securing skilled legal assistance from a respected practice like 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.

A tenacious Fishers, IN car accident lawyer can unearth the root causes of your self-driving auto injury and the defendants who contributed to it, establish valid claims and/or file suit against them, and amass the evidentiary materials necessary to shore up your case, such as:

• Police reports
• Citations and dispositions
• Witness statements
• Photos and videos
• Black box data
• Internal corporate communications
• Phone records
• Driving histories
• Maintenance logs
• Accident reconstruction and forensic analysis

With confronted with irrefutable proof of both your damages and the defendants’ misconduct, a sensible insurer may prefer to make a generous offer now rather than risk a disastrous verdict later, a key reason why 85 percent of the funds that these insurers award go to claimants with attorneys.

However, a seasoned litigator will be indispensable if a trial can’t be avoided, either because of an obstinate insurance carrier or a Silicon Valley giant terrified of setting a precedent that could be extremely detrimental to its bottom line. Whereas plaintiffs who choose to represent themselves in court lose about 96 percent of their cases, plaintiffs who retain professional representation are statistically favored to win and might even obtain the resources they need to become whole again.

Get in Touch with Hensley’s Fishers, IN Car Accident Lawyers

Hensley Legal Group has been fiercely advocating for the seriously injured for nearly three decades. If you’re struggling to get back for normal after a catastrophic self-driving car accident in the Fishers area, get in touch with Hensley’s Fishers, IN car accident lawyers to learn about your legal options.

You can schedule a free case review with a knowledgeable Fishers, IN car accident attorney by calling our office at (317) 472-3333, chatting with us online, or filling out our contact form today.