Indianapolis & Indiana
Injured in a car crash? Insurance companies have lawyers from day one. You should too. Kavanagh Injury Law represents auto accident victims in Indianapolis and throughout Indiana at 20% — not the 33–40% most firms charge.
Licensed in Indiana. Out-of-state accidents handled through our nationwide co-counsel network at the same 20% fee.
The first hours after a crash matter. These steps protect your health and your claim.
Call 911
If anyone is injured, call emergency services immediately. A police report creates an official record of what happened.
Get to safety
Move vehicles out of traffic if you can do so safely. Turn on hazard lights and set up flares or cones if available.
Exchange information
Get the other driver's name, phone, license plate, insurance company, and policy number. Collect contact info from witnesses.
Photograph everything
Damage to all vehicles, the intersection or road, skid marks, traffic signals, and your visible injuries. Use the KIL app to timestamp photos and GPS at the scene.
Get medical care
See a doctor even if you feel fine. Adrenaline masks injuries. Gaps in treatment give insurers an excuse to deny or reduce your claim.
Do not admit fault
Be polite, but do not apologize or accept blame at the scene. Fault is determined later — insurers will use your words against you.
Talk to a lawyer before the insurance company
The other driver's insurer may call within hours asking for a recorded statement. You are not required to give one. Contact an attorney first — early mistakes are hard to undo.
Indiana generally requires you to file a personal injury lawsuit within two years of the date of the crash. If you miss that deadline, you lose the right to recover — regardless of how strong your case is. Evidence fades fast; contact an attorney well before the clock runs out.
Indiana is a modified comparative fault state. You can recover compensation if you are less than 51% at fault for the crash. Your award is reduced by your share of fault — if you are 20% at fault, you recover 80% of your damages. If you are 51% or more at fault, you recover nothing. Insurers routinely argue the injured driver shares blame; an attorney fights that allocation.
Indiana drivers must carry at least $25,000 per person / $50,000 per accident in bodily injury liability coverage, plus $25,000 in property damage. Many serious injuries exceed those limits quickly — which is why uninsured and underinsured motorist (UM/UIM) coverage on your own policy often matters as much as the at-fault driver's policy.
Every case is different. These are the categories of damages commonly pursued in Indiana auto accident claims.
Medical expenses
Emergency care, surgery, physical therapy, prescriptions, and future medical needs related to the crash.
Lost wages & earning capacity
Income you missed while recovering, and reduced ability to earn if injuries are long-term or permanent.
Pain and suffering
Physical pain, emotional distress, and loss of enjoyment of life caused by the injury.
Property damage
Vehicle repair or replacement, rental car costs, and personal property damaged in the crash.
Past results do not guarantee future outcomes. The value of any claim depends on the specific facts, injuries, insurance available, and applicable law.
We focus exclusively on personal injury — auto accidents and premises liability. That focus is how we move fast and know these cases deeply.
Flat 20% — always
Our contingency fee is 20% whether your case settles pre-suit, goes through trial, or reaches appeal. It never escalates to 33% or 40% like most Indiana firms. You pay nothing unless we recover for you.
Lien reduction — 100% to you
We negotiate medical liens aggressively. Every dollar we reduce from a lien goes to you — we keep none of the savings and charge no additional fee for lien work.
533 cases. 8 years.
Matthew Kavanagh has personally handled hundreds of Indiana auto accident cases. You work with an attorney who has done this before — not an intake specialist who passes you off.
Out-of-state crashes
If your accident happened outside Indiana, we place your case with a vetted co-counsel attorney in that state. You still pay only 20%. Matt personally reviews every inquiry and explains exactly what representation is available.
Generally two years from the date of the crash. Do not wait until the deadline approaches — evidence and witnesses disappear quickly.
You can recover if you are less than 51% at fault. Your award is reduced by your percentage of fault. At 51% or more, you recover nothing under Indiana law.
Not before speaking with your own attorney. Adjusters are trained to minimize payouts. Recorded statements and early settlements can permanently limit what you recover.
Your own uninsured/underinsured motorist (UM/UIM) coverage may apply. Indiana requires insurers to offer UM/UIM — many injured drivers recover through their own policy when the at-fault driver is uninsured or underinsured.
Nothing upfront. We work on contingency at a flat 20% of any recovery. If we do not win, you owe no attorney fee.
Get a free case review. No obligation. No upfront cost. Matt personally reviews every auto accident inquiry.
Download the KIL app to document the scene with timestamped photos and GPS — free, no account required.