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Accident liability for borrowed cars

When a person loans their vehicle willingly to another driver in Indiana, the car insurance usually follows the vehicle. This means, according to Esurance, that should someone borrow a car and get into an accident, it is the car owner’s insurance that will pay. However, as with any situation, things are not always that cut and dry. There are some other circumstances that could alter the liability in an accident.

How alcohol impairs a driver

It is not a surprise that drinking alcohol affects a person’s ability to drive safely. Every year, there are numerous accidents and fatalities associated with drunk driving in Indiana. However, many people do not understand how alcohol affects their bodies and may drive, thinking they are perfectly okay to do so.

Man dead and woman injured in DUI car accident

When people make the decision to get behind the wheel while intoxicated, they put their lives and the lives of others in imminent danger. Not only does alcohol cause impaired perception and slower reaction time, but drivers often have difficulties controlling their speed and lose the ability to concentrate on the road. Young people who make poor choices can essentially ruin their lives by drinking and driving, as they must face the consequences of their actions should they injure or kill someone.

Road rage: Identifying the signs

Aggressive driving is a serious problem on the roads of Indiana and throughout the United States. According to AAA, road rage is involved in more than half of all motor vehicle accident deaths in the U.S. Whether people are angry from sitting in traffic or are late to an important meeting, motorists who drive in a reckless and negligent manner put other peoples’ lives in danger. All motorists should be aware of the signs of road rage so that they may be able to avoid becoming the victim of a catastrophic car accident.

Is driving at night more dangerous than daytime driving?

Even after the sun sets in Indiana, thousands of vehicles fill the roadways. People continue to travel, completing errands, coming home from work or rushing out to meet with friends. Although the roadways may appear to be the same at night as during the day, they are not. The risk for getting killed in a motor vehicle accident is significantly higher after the sun goes down. In fact, people are three times more likely to die in a car accident at night than they are during the day. This may be due to a number of factors that make it more difficult for people to navigate the roadways at night.

How many people are killed and hurt in work zone accidents?

From drunk driving collisions to large truck crashes, traffic accidents take numerous forms. However, those who are employed as road construction workers face threats every day they head to work. If you live in South Bend, or any other part of Indiana, you should always keep an eye out for road workers when passing through a highway work zone. If you are employed as a road construction worker and hit by a negligent driver, you should carefully assess your options.

Latency an issue in distracted driving

Like drivers in other states, Indiana residents have been hearing more and more about the dangers of distracted driving in recent years - and with good reason. According to, nearly 3,200 people died and another 431,000 were hurt in distracted driving accidents in 2014 alone.

What are the car insurance laws in Indiana?

Driving on Indiana roads involves a certain amount of risk every time you get behind the wheel. Auto insurance is intended to protect you and others from the costs of damages in the event of a collision, and Indiana state law requires you to purchase a minimum amount. According to, the state minimums are $50,000 in underinsured motorists, bodily injury; $25,000/$50,000 in uninsured motorists, bodily injury; and $10,000 in property damage. The state offers an insurance plan that is offered through individual agents if you have trouble securing coverage through other plans.

Are Cell Phones the New Nemesis for Motorists?

Various research studies offer information about the dangers of using cell phones while driving-dialing, texting, or talking on a handheld or hands-free cell phone. The attorneys at Gardner & Rans P.C. have found that in many cases, cell phone use is a major contributing cause of motor vehicle accidents.

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