Motor vehicle accidents in Indiana
Indiana calls itself the Crossroads of America, and its freeway map earns the name: I-465 loops Indianapolis while I-65, I-70, I-69, and I-74 radiate outward toward Fort Wayne, Gary, Evansville, and the Ohio and Kentucky lines. The northwest corner around Gary and Hammond feeds directly into the Chicago metro along I-80/I-94.
That concentration of national freight routes plus dense commuting around Indianapolis is why Marion County and the interstate corridors generate the bulk of auto-injury demand for Indiana personal injury firms.
Indiana injury law that shapes these cases
Indiana is an at-fault (tort) state with no PIP or no-fault layer, so the at-fault driver's liability carrier is the primary source of recovery and liability drives every case.
The statute of limitations for personal injury is two years from the date of the crash (Ind. Code § 34-11-2-4). Indiana follows modified comparative fault with a 51% bar under Ind. Code § 34-51-2: an injured party can recover only if their fault does not exceed 50%, with damages reduced by their share.
Minimum auto liability limits are 25/50/25 — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Indiana also mandates uninsured and underinsured motorist coverage (UM 25/50, UIM 50/50 minimums) unless rejected in writing, so UM/UIM often factors into recovery.
How we screen Indiana leads
We run our own motor-vehicle-accident campaigns across Indiana and capture each claimant ourselves — no shared pools, no aggregator resale. Because Indiana is a fault state with a mandatory UM/UIM layer, the "not at fault" screen ensures a liable party — and often a UM/UIM path when that party is under-insured.
- Recent accident — the crash is recent and well inside the two-year filing window.
- Real injury — the claimant reports an actual injury, not property-only damage.
- Not at fault — the claimant states another driver caused the collision, so there is a liable party to pursue.
Indiana advertising & lead-gen compliance
Every marketing call or text to an Indiana claimant is governed by the federal Telephone Consumer Protection Act (TCPA), which requires prior express written consent before a marketing contact. The FCC's one-to-one consent rule was vacated by the 11th Circuit in January 2025 and no longer applies — but proper prior express consent is still required, and the FCC's April 2025 revocation rules require that opt-outs be honored promptly.
Indiana has an Autodialer/telephone-solicitation statute (the Indiana Telephone Privacy Act) focused mainly on do-not-call and live-agent requirements, but no mini-TCPA that layers new private-damage exposure onto consented marketing. The state-level rules that most affect legal lead gen are the Indiana Rules of Professional Conduct on advertising, which prohibit false or misleading communications and guarantees about case results. Cross those, and it's the firm on the lead that answers for it.
Kurios is built to sit inside those lines: consent-based, advertising-driven campaigns, disclosures on our landing pages, no outcome guarantees, opt-outs honored, and every lead delivered to one firm only. For an Indiana firm working the Marion County and interstate corridors, the takeaway is that our leads add cases to your pipeline without adding compliance risk to your firm. For the authoritative rules behind all of this, see the Indiana State Bar Association’s attorney-advertising rules and the FCC’s TCPA rules on telemarketing and robocalls.
Why Indiana personal injury firms work with Kurios
What an Indiana firm actually buys is signed cases, so the number that matters is cost per signed case — not the sticker price of a lead. Every Indiana lead is exclusive to one firm, screened for a recent crash, a real injury, and a liable at-fault driver, and delivered to your CRM — Filevine, Litify, Salesforce, and others — in under 10 seconds, so your intake team reaches the claimant first across Marion County and the I-65/I-70 corridors. No shared pools, no aged lists, no wrong-number junk — just cases your team can convert.
Start with a 3-month test batch of 50 exclusive leads a month — month-to-month, cancel anytime within the 3 months, no retainer — so you can prove cost per signed case on your own numbers. Compare our model to shared and aged leads, or browse the full MVA lead program and the landscape of MVA lead companies.
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See If You QualifyFrequently Asked Questions
What is the statute of limitations for a car accident claim in Indiana?
Two years from the date of the accident for personal injury claims, under Ind. Code § 34-11-2-4.
Is Indiana a no-fault state?
No. Indiana is an at-fault (tort) state with no PIP requirement, so the at-fault driver's liability insurance is the primary source of recovery.
How does fault affect an Indiana claim?
Indiana uses modified comparative fault with a 51% bar — an injured party recovers only if their fault does not exceed 50%, with damages reduced by their share.
Does Indiana have a state telemarketing law affecting lead gen?
Indiana has a telephone-solicitation statute focused on do-not-call rules, but no mini-TCPA adding new private-damage exposure to consented marketing. Legal lead gen is governed by the federal TCPA plus the Indiana Rules of Professional Conduct on advertising, and our consent-based campaigns comply with both.
Are your Indiana leads TCPA-compliant?
Yes. We use documented, consent-based capture with required disclosures, honor opt-outs promptly, and make no case-outcome guarantees. The FCC's one-to-one consent rule was vacated in January 2025, but prior express consent is still required and we capture it.
Are your Indiana leads exclusive?
Yes. Every Indiana lead goes to one firm only — never shared, resold, or recycled.
How fast do Indiana leads reach my CRM?
In under 10 seconds. We push each lead directly into your CRM in real time so your intake team can call immediately.