Truck AccidentUpdated March 2026

Hit by a Truck in Indianapolis?

Here's what to do next — step by step.

Check your truck accident claim in 60 seconds — see your filing deadline, your legal options, and your next steps. Completely free.

ConfidentialNo costNo obligationTakes 2 minutes

Key Takeaways

  • After a truck accident, get medical attention immediately — collisions with vehicles weighing up to 80,000 pounds frequently cause catastrophic injuries including spinal cord damage, traumatic brain injuries, and internal bleeding.
  • Indiana's statute of limitations is two years from the date of the accident for personal injury (Ind. Code § 34-11-2-4) and two years from the date of death for wrongful death claims (Ind. Code § 34-23-1-1).
  • Indiana's modified comparative fault rule (Ind. Code § 34-51-2-6) means you recover nothing if found 51% or more at fault — trucking companies often try to shift blame, making early legal involvement critical.
  • Indianapolis sits at the junction of I-65, I-70, and I-69, connected by the I-465 loop, making Marion County one of the highest-risk areas in Indiana for truck accidents, with over 16,500 truck-involved crashes reported statewide in a recent year.
  • Do not give a recorded statement to the trucking company's insurer — they handle high-value claims daily and early settlement offers are almost always a fraction of the claim's true value.
  • Truck accident attorneys offer free consultations and work on contingency, and their specialized knowledge of FMCSA regulations and electronic logging device (ELD) data is essential for building a strong case.
1

Get medical attention immediately

Truck accidents frequently cause catastrophic injuries — broken bones, spinal cord damage, traumatic brain injuries, internal bleeding, and crush injuries. Even if you can walk away from the scene, the force of a collision with a vehicle weighing up to 80,000 pounds can cause internal damage that isn't immediately apparent.

Call 911 immediately. Under Indiana law, any accident involving injury, death, or property damage exceeding $1,000 must be reported to law enforcement. IU Health Methodist Hospital operates the region's only Level I trauma center and is equipped for the most severe injuries. Eskenazi Health, Ascension St. Vincent, and Community Health Network also provide emergency trauma care throughout Marion County.

2

Move to safety and protect the scene

If you're able to move safely, get away from the roadway. Truck accidents on I-465, I-65, I-70, and I-69 create particularly dangerous scenes because of high traffic speeds and limited visibility. Secondary collisions are a real risk — especially on the I-465 loop where trucks are a constant presence.

If possible, turn on your hazard lights. Do not attempt to move a commercial vehicle or tamper with any cargo. Hazardous materials may be involved — the I-465/I-70 interchange on Indianapolis's west side has seen hazmat incidents from commercial truck crashes.

3

Document everything you can

If you're physically able, use your phone to photograph the truck (including the company name, USDOT number, and license plate), all vehicles involved, the roadway, skid marks, debris, and any visible injuries. The DOT number on the side of the truck is critical — it identifies the trucking company and links to their federal safety record.

Get the truck driver's name, employer, insurance information, and license number. Collect witness contact information. In truck accident cases, evidence can disappear quickly on busy interstates.

4

Understand why truck accident claims are different

Truck accident claims are far more complex than standard car accident cases. Multiple parties may be liable — the driver, the trucking company, the cargo loading company, the vehicle manufacturer, or a maintenance provider. Federal Motor Carrier Safety Administration (FMCSA) regulations govern hours of service, vehicle maintenance, driver qualifications, and cargo securement. Violations of these regulations can establish negligence.

Trucking companies typically carry insurance policies of $1 million or more and have aggressive legal teams that begin investigating immediately. They may send their own investigators to the scene within hours. This is why it's critical to preserve evidence and seek legal representation early.

5

File a police report and preserve evidence

IMPD or Indiana State Police will investigate and generate a crash report. For truck accidents on interstates, Indiana State Police typically responds. Request the report number at the scene.

Critical evidence in truck cases includes the truck's electronic logging device (ELD) data showing driver hours, the event data recorder ("black box") capturing speed and braking data, maintenance logs, and driver qualification files. This evidence can be destroyed or overwritten quickly — an attorney can send a spoliation letter to ensure it's preserved.

Obtain your crash report through the Indiana State Police BuyCrash portal at buycrash.com or the IMPD Records Division at 50 N. Alabama Street, E100, Indianapolis, IN 46204.

6

Do NOT give a recorded statement

The trucking company's insurer will contact you quickly. They handle high-value claims daily and are experienced at minimizing payouts. You are not legally required to give a recorded statement. Do not sign any documents or accept any settlement offers without legal advice. Early offers in truck accident cases are almost always a fraction of the claim's true value.

7

Know Indiana's 2-year statute of limitations

Under Indiana Code § 34-11-2-4, you have two years from the date of the accident to file a personal injury lawsuit. For wrongful death claims, the deadline is two years from the date of death (Ind. Code § 34-23-1-1).

Truck accident cases require extensive investigation — obtaining trucking company records, driver logs, maintenance records, and black box data takes time. Don't wait to start the process.

8

Talk to an attorney who handles truck accident cases

Truck accident cases require specialized knowledge of FMCSA regulations, trucking industry practices, and the ability to take on well-funded corporate defendants. Most truck accident attorneys offer free consultations and work on contingency — you pay nothing unless they recover compensation for you.

An experienced attorney can identify all liable parties, preserve critical evidence, retain accident reconstruction experts, and negotiate with commercial trucking insurers.

Indianapolis Truck Accident Facts

16,500+

truck-involved crashes reported in Indiana in a recent year, with over 125 resulting in fatalities

Indiana Criminal Justice Institute

2 Years

statute of limitations for personal injury and wrongful death claims in Indiana

Ind. Code § 34-11-2-4

51% Bar

Indiana's modified comparative fault threshold — recover nothing if 51%+ at fault

Ind. Code § 34-51-2-6

Why Indianapolis is a truck accident hotspot

Indianapolis sits at the intersection of I-65 (Chicago to Louisville), I-70 (St. Louis to Columbus), and I-69 (northeast to Fort Wayne and Michigan). The I-465 beltway connecting these highways handles enormous volumes of commercial truck traffic daily. This concentration of freight corridors makes Marion County one of the highest-risk areas in Indiana for truck accidents. The I-465/I-70 interchange, the I-65/I-70 split through downtown, and the I-465/I-69 interchange on the northeast side are particularly dangerous where merging semi-trucks and passenger vehicles share congested lanes.

Federal regulations that may apply to your case

Commercial trucks are regulated by the FMCSA. Drivers must comply with hours-of-service rules limiting driving time, drug and alcohol testing, and vehicle inspection requirements. Trucking companies must maintain proper insurance, keep maintenance records, and verify driver qualifications. Violations of any of these federal regulations can be powerful evidence of negligence.

Truck accident injuries are often catastrophic

Because of the massive size and weight difference between a commercial truck and a passenger vehicle, injuries tend to be far more severe — traumatic brain injuries, spinal cord injuries, multiple fractures, internal organ damage, severe burns, and wrongful death. Medical costs and long-term care needs can easily reach hundreds of thousands or millions of dollars.

Not sure if you have a case? Check your options in 60 seconds.

Tell us what happened and we’ll show you your filing deadline, what Indiana law says about your situation, and what your next steps should be — free and instant.

Free Injury Claim Check →

✓ Free  ·  ✓ Confidential  ·  ✓ 60 seconds

Truck Accident FAQ — Indianapolis & Indiana

Truck claims are significantly more complex, often involving multiple liable parties, federal FMCSA regulations, larger insurance policies, and more aggressive defense teams. The injuries tend to be more severe, and specialized evidence like ELD data and black box recordings requires expert analysis.

Potentially multiple parties: the truck driver, the trucking company (liable under respondeat superior), the cargo loading company, the truck or parts manufacturer, and maintenance providers. An experienced attorney will investigate all potential sources of liability.

Two years from the date of the accident for personal injury (Ind. Code § 34-11-2-4) and two years from the date of death for wrongful death (Ind. Code § 34-23-1-1). Given the complexity of truck accident investigations, start the process as soon as possible.

Federal hours-of-service regulations limit driving time. Violations can be proven through ELD data and are strong evidence of negligence. Trucking companies that pressure drivers to exceed legal limits may also be liable.

No. You are not legally required to give a recorded statement. Politely decline and consult an attorney first. Anything you say can be used to reduce your claim.

Medical expenses (current and future), lost wages, pain and suffering, permanent disability, property damage, and loss of enjoyment of life. Punitive damages may apply in cases of egregious conduct — Indiana caps these at the greater of three times compensatory damages or $50,000 (Ind. Code § 34-51-3-6).

Indiana's modified comparative fault system (Ind. Code § 34-51-2-6) applies. You can recover compensation as long as you are not 51% or more at fault. Trucking companies often try to shift blame — an attorney can counter this tactic.

Most work on contingency — no upfront fees and no payment unless they win your case. Given the complexity and high value of truck accident claims, experienced representation is especially important.

Injured? Check your options in 60 seconds.

Answer 4 quick questions and get a free, personalized Injury Claim Check — including your filing deadline, your legal options, and recommended next steps.

Free Injury Claim Check
ConfidentialNo costNo obligationTakes 2 minutes

InjuryNextSteps.com provides general informational content and is not a law firm. The information on this page does not constitute legal advice and should not be relied upon as such. Every accident is different. Contacting us does not create an attorney-client relationship. If you need legal advice, consult a licensed attorney in your jurisdiction. The legal information on this page references Indiana statutes and is current as of 2025 but may change. Always verify with a qualified attorney.

Free Injury Claim Check →