Insurance Questions After an Indiana Drunk-Driver Crash
Prepared by Poynter & Bucheri, LLC · Reviewed by Donald Poynter, Indiana attorney · Last reviewed November 9, 2026
After a crash with a suspected drunk driver in Indiana, more than one insurance policy may come up. This page lists questions to take to your policy and a lawyer. It does not say which policy applies or what it will pay, and it does not promise coverage because a driver was impaired.
Questions to take to the policy and a lawyer
- Which company called, and what claim reference did they give?
- What does the written policy say, if you have it in front of you?
- If another driver has little or no liability insurance, what does your own policy say about that situation?
- Did a health plan pay bills and later send a letter asking to be repaid? Keep the letter. This page does not say whether the request is valid.
This page does not determine coverage or which policy pays first. A lawyer can review your policies with you.
Does it matter if I was partly at fault in a drunk driver crash?
Indiana’s Comparative Fault Act reduces an injured person’s damages by their own percentage of fault (IC 34-51-2-5). Recovery is barred only when that person’s fault is greater than the fault of all others who caused the damages; the Act’s jury instructions put that at more than 50% (IC 34-51-2-6, IC 34-51-2-7, IC 34-51-2-8). An insurer’s fault percentage is its own position, not a final decision; in a lawsuit, the jury, or the judge if there is no jury, decides. The Act does not apply to claims against a government unit or public employee (IC 34-51-2-2).
The records organizer has paper lines for a company, a contact name, a phone number, and a claim reference.
Talk with the firm
You can call Poynter & Bucheri at (317) 780-8000 for a free case review. Ask about the terms of any work before you agree to it.
Poynter & Bucheri represents people injured in motor vehicle crashes in Indiana.
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*The 25% fee is 25% of the total recovery in motor-vehicle cases (car, truck, motorcycle, scooter, bicycle or pedestrian struck by a vehicle), including bar or host claims arising from them, settled prior to trial. If there is no recovery, the client owes no fee. Case costs and expenses paid by the firm are reimbursed from any settlement or recovery. This 25% fee is valid for 15 days after the date last advertised.
Poynter & Bucheri resource · 4202 Madison Ave., Indianapolis, IN 46227. This is a private law-firm resource, not a government, police or nonprofit site. General information only; not advice about your case. For a correction, use our contact form or call (317) 780-8000.