Top 25 Most Dangerous Indianapolis Intersections 7 Apr 2025, 6:42 pm

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Do Car Modifications Impact Insurance? 25 Sep 2024, 6:02 pm

Will My Insurance Company Raise My Rates If I Make Modifications to My Vehicle?

Personalizing a vehicle through custom modifications is a dream for many car owners, enthusiasts, and hobbyists. Whether you’re enhancing performance or altering the aesthetics, customizing your car can make it stand out. However, it’s crucial to understand how these changes may affect your insurance. That’s where modified car insurance comes into play – a specialized policy designed to protect the unique features and added value of custom vehicles. Our team of car accident lawyers at Doehrman Buba Ring put together a guide below about how car modifications may impact your insurance premium to help readers understand potential costs, savings and risks.

What is Modified Car Insurance?

Modified car insurance is a type of auto coverage tailored for vehicles that have been altered from their original manufacturer specifications offered by most insurance providers. The insurance provider may call it a custom premium, an altered premium, supplemental insurance or just a new policy. A modified car may result in higher insurance rates, but as you’ll see below, there are times it can help you save money.

These modifications can include performance upgrades, aesthetic enhancements, interior changes like a new seat or steering wheel, engine and light changes, and more. They are generally done to improve the car’s performance, it’s look, it’s safety or all of the above. Since standard policies are based on factory models, customized cars may require additional protection to account for their increased worth and potential risks. Depending on the modifications made, a car insurance premium can become more expensive or less expensive. Generally, if the modification is legal and results in enhanced safety, the insurance policy could come down in cost, helping you save money. If the modification is illegal or reduces the car’s safety, the insurance policy cost could increase. Your insurance agent will help you understand what to expect with your premium, so it’s best to ask how much coverage you may need based on your modification plan before you perform any mods.

Common Modifications That Impact an Insurance Policy

Engine Modifications

• Turbochargers
• Engine swaps
• Cold air in-take
• High flow catalytic converter
• Performance exhaust system

Aesthetic Modifications

• Custom paint job
• Body kits like the hood, grill or side mirrors
• Aftermarket wheels
• Suspension / hydraulic modifications

Interior Modifications

• Custom leather
• Sound systems like a subwoofer or additional speakers
• Dashboard setups

Safety/Tech Upgrades

• Advanced brakes
• Additional airbags
• GPS systems
• Enhanced alarm or security features

The Top 11 Most Common Car Modifications

According to How Stuff Works, here are the most common legal and illegal car modifications that owners make.

Legal car modifications

1. Suspension – Suspension mods can help the car handle better, including enhancing the springs, shocks and steering assembly. Suspension mods can also mean hydraulic installation. Safe suspension modifications are legal, but hydraulic suspension changes are likely to either skyrocket your insurance cost or void your insurance coverage altogether.
2. Turbocharger – Not to be confused with nitrous oxide, a turbocharger is legal so long as it passes the state emissions test.
3. Seats – Seats can be upgraded to match sport or racing seats, or even just more comfortable or luxurious seats, as long as the factory seatbelt and airbags are not impeded.
4. Paint Jobs – You can paint or wrap your car as long as it doesn’t look like it’s intended to resemble police, law enforcement or other government vehicles.
5. Window Tint – This modification is very specific to the state where the car is registered. In Indiana, the law states non-reflective tint can be applied to the top of the windshield above the AS-1 line from the manufacturer. Front side windows, back side windows and rear window must allow more than 30% of light to pass through. Reflective tint on front side and back side windows can’t reflect more than 25%.
6. Lights – Again, these modifications can vary by state. In Indiana, the law states:
   • Two fog lights are permitted that do not point more than 4 inches above the position of the lamp at 25 feet away.
   • Two spotlights are permitted that do not illuminate for more than 100 feet ahead of the vehicle.
   • Fender or cowl lamps are limited to two white or amber lights.
   • One running board lamp in amber or white is permitted on each side of the vehicle.
   • Flashing hazard lights in the rear must be amber or red.

Illegal Car Modifications

1. Nitrous Oxide – This illegal mod temporarily adds more oxygen to the engine, which burns fuel quicker and delivers more power. It’s seen in a lot of car racing movies.
2. Underbody Neon Lights – This one varies by state and even light color. In some states, it’s illegal to have red or blue lights because they could be confused for police lights. Research the Indiana law clearly or speak to a reputable, experienced mechanic for clarification.
3. Racing Harness – A racing harness interferes with a car’s factory seatbelt and is therefore illegal. It can also lead to challenges for first responders if they need to extract a driver wearing a harness from a crash.
4. Altering Emissions or Catalytic Converter – If for some reason you are updating your exhaust system, you need to leave the catalytic converter in place. Any change to emissions is illegal.
5. Excessive Height Adjustments – This one varies by state as well. In Indiana;
   • Vehicles cannot exceed 13 feet, 6 inches in height.
   • The bumper cannot be higher than 30 inches off the ground.

Always check with an expert mechanic, your local and state laws, and your insurance company before making any custom modifications to your vehicle.

Why Standard Policies Fall Short

Off-the-lot car insurance typically doesn’t cover the value of aftermarket parts, the higher accident risks of performance mods, or the costs to replace custom bodywork. This leaves modified car owners vulnerable to significant out-of-pocket expenses if disaster strikes and the modification is damaged and requires replacement or serious labor time.

Key Coverage Options

• Agreed Value Coverage: Insurer and owner agree on the full value of the vehicle, including the value of the modifications made
• Replacement Cost for Mods: Covers the expense of replacing custom parts if damaged or stolen
• Third-Party Liability: Protects against damage or injuries caused by the modified vehicle
• Agreed Mileage Restrictions: Potential premium discounts for limited-use cars

How Modifications Impact Premiums

Insurers evaluate the specific risks posed by each customization to determine premiums. Generally, performance upgrades and expensive aesthetic changes drive up costs more than safety/tech enhancements. Frequency of use is also a factor.

If I Modify My Car, Will I Lose My Insurance Coverage?

The short answer is it depends. Insurance rates for modified cars depend on factors listed below and your local and state laws. You can lose, void, or negate your insurance coverage if you make modifications and don’t disclose them to your insurance provider or agent. You can lose your coverage if you perform a modification that is explicitly prohibited by law, such as raising the car too high or putting too many lights on the exterior, or the wrong color lights. If the modification leads to a higher-risk vehicle, it’s likely to increase your insurance rate.

Factors That Affect Premiums:

• Type of Modification (performance vs. aesthetic)
• Value of Modifications
• Frequency of Vehicle Use
• Driver’s Age and Driving History

Finding the Right Modified Car Insurance

When shopping for coverage, it’s crucial to be upfront about all customizations and compare offerings from different insurers. Providers specializing in modified vehicles may offer more comprehensive policies at competitive rates.

Tips for Finding the Best Policy:

• Disclose All Modifications
• Ask About Available Discounts
• Shop Around for Multiple Quotes
• Consider Specialty Insurers

Regulatory Considerations

It’s important to ensure any modifications comply with local laws. Non-compliant changes could lead to policy cancellation or legal issues if the vehicle is involved in an accident or inspected.

Protect Your Modified Car

For the automotive enthusiast who’s poured their passion into a one-of-a-kind ride, modified car insurance is an essential investment. By securing the right coverage, you can have peace of mind knowing your custom vehicle – and your financial investment – is properly protected.

What You Need to Know if You Add Custom Mods to Your Car

Modified car insurance is an essential consideration for anyone who has altered their vehicle beyond factory specifications. To get an accurate insurance premium, the first step is determining the value of the modified car, then shop around for a policy. Don’t be discouraged if the premiums are more expensive, the policy needs to cover more potential expenses and potential risk, especially if the mods are made to make the car faster or more powerful. By understanding the impact of modifications on your coverage and securing a policy that accounts for these changes, you can protect your custom car and ensure it’s insured for its true value.

If you Need a Car Accident or Motorcycle Accident Attorney

If you have ever been the victim of in a car or motorcycle accident, contact Doehrman Buba Ring today for your free consultation. Consulting a legal expert can help you navigate the complexities of your case and obtain the justice and fairness you deserve. An experience, professional attorney can assist with claims related to your medical expenses and bills, lost wages from work, and other damages resulting from the accident. Contact us when you need a car accident lawyer if you are injured and seeking a claim.

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Common Hand and Wrist Injuries from Motorcycle Accidents 31 Jul 2024, 7:17 pm

As summer hits its peak, many motorcycle enthusiasts take to the roads, enjoying the freedom of riding on two wheels. While some riders use motorcycles for leisure, others rely on them as their primary mode of transportation. However, motorcyclists face unique risks compared to other road users, primarily due to the lack of physical protection. In the event of a crash, motorcyclists are often at a greater risk of severe injuries, especially to their hands and wrists. Although gloves provide some level of protection, they are insufficient to prevent serious injuries. This article explores various hand and wrist injuries that can occur in motorcycle accidents and offers insights into their treatment and prevention.

Dislocations

Wrist Dislocations: During a motorcycle crash, it’s common for riders to instinctively extend their arms to break their fall. This reaction can place immense pressure on the wrist joint, leading to dislocation. A dislocated wrist results in severe pain, swelling, and a lengthy recovery period. The wrist joint, which connects the hand to the forearm, is essential for a wide range of hand movements. When dislocated, it can severely impact your ability to perform everyday tasks.

Finger Dislocations: Fingers are comprised of several joints, all of which can be dislocated during an accident. Dislocated fingers are extremely painful and can cause significant functional impairment. Recovery from such injuries may take weeks to months, often involving physical therapy to restore full range of motion and strength.

Fractures

Wrist Fractures: Wrist fractures are a common injury for motorcyclists, typically occurring when riders attempt to break their fall by putting their hands out. The distal radius and scaphoid bones in the wrist are particularly vulnerable. If not treated properly, a fracture in these bones can lead to chronic pain, reduced mobility, and potentially long-term disability.

Hand and Finger Fractures: In addition to wrist fractures, the bones in the hand and fingers are also susceptible to fractures. The metacarpal bones in the hand and the phalanges in the fingers can be broken from direct impact or from trying to catch oneself during a fall. Treatment often requires immobilization with casts or, in severe cases, surgical intervention to realign and stabilize the bones.

Tendon and Ligament Injuries

Tendon Injuries: Tendons connect muscles to bones and are crucial for hand movements. High-impact trauma can damage tendons in the hand and wrist in motorcycle accidents. Injuries to tendons can lead to significant pain, swelling, and loss of hand function. Recovery often involves a combination of rest, physical therapy, and possibly surgery to repair torn tendons.

Ligament Injuries: Ligaments connect bones to other bones and are vital for joint stability. Motorcycle accidents can cause sprains or tears to ligaments in the wrist and hand. These injuries can lead to long-term instability and pain, requiring comprehensive treatment including rest, bracing, and physical therapy.

Amputations

Hand and Finger Amputations: One of the most severe types of hand injuries resulting from motorcycle accidents is amputation. This can occur if the hands become trapped under the motorcycle or in other vehicle components. Amputations are life-altering injuries that require extensive medical intervention and rehabilitation. While prosthetics and rehabilitation can help individuals adapt to their new circumstances, the impact on daily life and personal well-being is profound.

Road Rash and Skin Injuries

Road Rash: Skin abrasions from sliding across the pavement are a common injury for motorcyclists. Road rash can vary in severity from mild abrasions to deep, painful wounds. Protective gear, including gloves and armored clothing, can reduce the severity of road rash but not eliminate it entirely. Severe cases may require surgical treatment and can lead to long-term skin damage and scarring.

Treatment and Prevention

Treatment: The treatment for these injuries varies based on their severity. Dislocations often require reduction (realignment) and immobilization. Fractures may need casting or surgery depending on their complexity. Tendon and ligament injuries typically require rest, physical therapy, and in some cases, surgery. Amputations necessitate prosthetic fittings and extensive rehabilitation. Road rash treatment focuses on wound care to prevent infection and promote healing.

Prevention: While complete prevention is challenging, wearing appropriate protective gear is crucial. High-quality motorcycle gloves, leather jackets, and protective pants can mitigate the risk of severe injuries. Additionally, riders should undergo safety training and practice defensive riding techniques to reduce the likelihood of accidents.

Summary

Motorcycle accidents can lead to a range of severe hand and wrist injuries, including dislocations, fractures, tendon and ligament injuries, amputations, and road rash. Understanding these injuries, their treatment options, and prevention strategies is essential for any motorcyclist. Ensuring proper protective gear and seeking timely medical and legal assistance can significantly improve recovery outcomes and overall quality of life after an accident.

You Deserve A Quality Motorcycle Accident Attorney

If a motorcycle accident results from another road user’s negligence, you have the right to seek compensation for your injuries. Consulting a legal expert who specializes in personal injury law can help you navigate the complexities of your case and obtain the justice you deserve. A knowledgeable attorney can assist with claims related to medical expenses, lost wages, and other damages resulting from the accident. Contact a motorcycle accident lawyer from Doehrman Buba Ring today for a free consultation.

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Rules for Truck Drivers: Turns, Parking, and Route Planning 31 Jul 2024, 5:32 pm

Truck drivers must adhere to specific regulations when operating commercial motor vehicles (CMVs), which differ from the rules for regular vehicles. Operating large trucks requires specialized training and licenses due to their size, weight, and complexity. Because of these differences, truck drivers follow unique safety protocols to ensure road safety.

Guidelines for Making Turns

The Indiana State Commercial Driver’s License (CDL) Manual, along with manuals from other states, provides detailed instructions for turning maneuvers. Due to their size, trucks need extra space and careful management to avoid accidents while turning. Here’s what truck drivers need to know:

Right Turn Procedures

• Turn Slowly: Make right turns slowly to give yourself and others more time to react.
• Wide Turns: If your truck cannot complete the turn without crossing into another lane, make a wide turn while keeping the rear close to the curb.
• Avoid Wide Left Turns: Don’t start the right turn by swinging wide to the left, as this might lead other drivers to misinterpret your maneuver and attempt to pass you on the right.
• Crossing Lanes: If necessary, cross into the oncoming lane to make the turn. Watch for approaching vehicles and allow them to pass or stop if needed.
• Avoid Reversing: Do not back up for oncoming traffic as it may lead to collisions with vehicles behind you.

Left Turn Procedures

• Positioning: Ensure you are in the center of the intersection before beginning a left turn to avoid hitting other vehicles due to off-tracking.
• Lane Choice: Use the right-most turning lane if there are multiple lanes to avoid swinging into the wrong lane.
• Visibility: Stay in the right lane during the turn to better see traffic on your left.

Managing Tight Turns

• Communicate Your Intentions: Signal your turn well in advance and keep signaling until the maneuver is complete. Always ensure your signal is canceled after the turn.
• Slow and Steady: Since tight turns require slower speeds in large trucks, alert drivers behind you by braking early and decelerating gradually.

U-Turns for CMVs

U-turns are generally avoided in the trucking industry due to their high risk. The State CDL Manual does not endorse U-turns due to their potential dangers:

• Duration and Risk: An 18-wheeler can take 15-30 seconds to complete a U-turn, blocking the road for approximately 12 seconds.
• Visibility Issues: A vehicle traveling at 65 mph will cover significant distance in the time it takes for a truck to complete a U-turn, making it difficult for the truck driver to see oncoming traffic in time.
• Fatal Consequences: U-turns are highly dangerous and can result in severe accidents, especially if performed at night.

Stopping and Parking CMVs

The CDL Manual outlines specific rules for stopping and parking large trucks. Given their size, trucks parked on the shoulder can pose significant hazards:

Parking Rules

• Emergency Flashers: When pulling off the road, turn on your four-way flashers, especially at night, to alert other drivers.
• Warning Devices: Place emergency warning devices within ten minutes of stopping. Position them 10, 100, and 200 feet from the vehicle to warn oncoming traffic.
• Two-Lane Roads: On a two-lane road, set warning devices within 10 feet of your vehicle’s front or rear corners and 100 feet ahead and behind.
• Obstructed Views: If parked beyond a hill or curve where visibility is limited, move the rear-most triangle further back to provide ample warning.

Route Planning for CMV Drivers

Effective route planning is crucial for avoiding hazards and mitigating risks. Before starting a trip, planning helps identify potential issues that could lead to accidents:

• Advanced Preparation: Utilize route planning to anticipate and avoid problems. This includes considering weather conditions and potential road hazards.
• Safety Measures: Proper route planning, coupled with weather apps and minimal dispatch assistance, helps avoid risky situations and reduce the need for speeding.

Resources for Truck Driver Regulations

Several sources provide guidelines and regulations for truck drivers:

• Federal Motor Carrier Safety Regulations (FMCSRs): Administered by the Federal Motor Carrier Safety Administration (FMCSA), these regulations aim to enhance safety on the roads.
• State CDL Manuals: These manuals serve as study guides for obtaining a CDL and cover essential safety rules.
• Driver/Company Manuals: Trucking companies often have additional handbooks and manuals outlining industry practices.
• Common Sense: Often, safety practices are based on common sense and reasonable behavior, which all drivers are expected to follow.

Contact Indianapolis Trucking Accident Lawyers

If you’ve been involved in a trucking accident, it’s crucial to seek legal assistance promptly to maximize your chances of receiving compensation. At Doehrman Buba Ring, we understand the severe impact of truck accidents on your life. Our experienced trucking accident attorneys are here to help you navigate the legal process and secure the compensation you deserve. Reach out today by filling out our online contact form or calling us at 317-669-9445 for a free consultation. Let us help you get the justice and peace of mind you need.

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What is a Bobtail Truck and Why is it Dangerous? 31 Jul 2024, 3:42 pm

Semi-trailer trucks are easy to spot on Indiana’s roads and highways. Over 274,000 are registered in Indiana alone, and many more are just passing through. Bobtail Trucks are vital to our economy, but they also pose a risk to the safety of other drivers.

Due to their massive size, semi-trailer trucks often cause catastrophic injuries when they collide. As such, truck drivers require extra training and regulations to keep our roads as safe as possible. Nonetheless, truck accidents are still unfortunately common. The risk of an accident is even greater when the truck is bobtailing. If you or a loved one has been injured in an accident with a bobtail truck, you may be entitled to compensation. Call the truck accident lawyers at Doehrman Buba Ring today for a free consultation.

What is a Bobtail Semi Truck?

A semi-truck is considered in “bobtail” mode when it does not have a cargo trailer attached. Semi-truck operators often drive a bobtail truck when they are on their way to pick up their cargo or after dropping their cargo off at the end of a haul.

Bobtailing is not the same as “deadheading,” which is the term for hauling an empty trailer.

Why Makes Bobtail Trucks So Dangerous?

Although it lacks the bulky trailer behind it, a bobtail truck can be more dangerous to other drivers on the road. This is counterintuitive for those who associate increased bulk with increased risk.

The reason bobtail trucks are more hazardous is that they are more difficult to maneuver and brake. Truck drivers must take extra care when driving a bobtail truck to avoid accidents.

Trucks are designed to carry heavy trailers, which they do most of the time. Therefore, much of their braking power is in the rear axle, under the trailer. When a truck is in bobtail configuration, there is very little weight over the rear axle, and braking power is reduced.

Instead, the majority of the weight of a bobtail truck is over the front wheels, whose primary purpose is steering rather than braking. This makes bobtail trucks more susceptible to skidding out in tight curves or sudden turns.

For the same reason, bobtail trucks also often have a longer braking distance, even though they weigh less.

Driving a bobtail truck is especially dangerous on winding roads and in wet weather.

Bobtail Truck Accidents

Although truck drivers are held to high standards of safety, bobtailing is not against any laws. After all, every truck must travel without cargo at some point or another.

Additionally, while truck drivers are specially trained for the job, they often have less experience with bobtail trucks, which actually require more skill and expertise to drive safely.

The result is a higher risk of collision and harm to other drivers on the road.

Do I Have Rights After a Bobtail Truck Accident?

Although bobtail trucks may be more difficult to maneuver, it is still the driver’s responsibility to operate their truck safely without risking harm to others. The trucking company must also ensure that its drivers are well-trained and not rushed or overworked.

If you are injured in a collision with a truck because of the driver’s negligence, whether it is bobtailing or not, you can likely sue both the driver and their employer. Since Indiana uses the doctrine of modified comparative negligence, even if you were partly at fault, you may still collect damages if you are less than 51% at fault.

Truck accidents can cause lasting injuries and even permanent disability. You have the right to be compensated for your medical bills, lost wages, and reduction in earning capacity. You may also receive payment for your pain and suffering.

Top Rated Truck Accident Lawyers in Indiana

The truck accident attorneys at Doehrman Buba Ring are experienced in all types of semi-truck accidents, including those involving bobtail trucks. Our legal team can guide you through the legal process and fight for the best compensation possible if you have been injured in a collision. To schedule a free consultation, call our office at (317) 669-9445 or contact us online.

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Indiana Dram Shop Act 30 Jul 2024, 1:32 pm

Indiana Dram Shop Laws

If you’ve ever been injured or suffered property damage due to the actions of an intoxicated person, you may have heard of the Indiana Dram Shop Act. This act is a type of civil liability legislation that holds certain parties responsible for their actions in serving alcoholic beverages. By understanding the Indiana Dram Shop Act, both individuals and businesses can navigate the legal framework surrounding Dram Shop liability and ensure they are protected.

Understanding the Indiana Dram Shop Act

The Indiana Dram Shop Act, also known as Indiana Code section 7.1-5-10-15.5, was passed in 1986. It applies to a wide range of establishments, including bars, clubs, restaurants, and even social hosts who serve alcohol to guests.

Under this act, if a person “furnishes” an alcoholic beverage to someone who is visibly intoxicated and that person’s intoxication is the proximate cause of injury or property damage suffered by another party, the person who provided the alcohol can be held liable for damages.

This act not only applies to commercial establishments such as liquor stores and convenience stores but also extends to individuals who serve alcohol to others. It is important to note that the term “furnish” includes various means of providing alcohol, such as selling, delivering, exchanging, providing, or giving it away.

The Indiana Dram Shop Act establishes civil liability for those who serve alcohol to visibly intoxicated individuals, making them responsible for the consequences of their actions. This legislation aims to hold accountable those who contribute to the occurrence of accidents, injuries, or property damage caused by intoxicated persons.

While dram shop liability laws vary from state to state, they all share the common goal of promoting responsible alcohol service and reducing the harm caused by intoxicated individuals. By understanding the essence of dram shop laws, individuals can better navigate their rights and options in the event of a drunk driving incident or other alcohol-related harm.

Who is Affected by Indiana Dram Shop Law?

The Indiana Dram Shop Act outlines key responsibilities for those serving alcohol, aiming to reduce alcohol-related incidents. Affected groups include:

• Social hosts: Those hosting events with alcohol may face liability if they serve visibly intoxicated guests who then cause harm. Social host liability laws are generally less strict than those for commercial establishments.
• Commercial establishments: Venues like bars, restaurants, and clubs are accountable under this act if they provide alcohol to visibly intoxicated patrons who subsequently injure others or cause property damage.
• Liquor stores: Retailers selling alcohol, including liquor and convenience stores, are also liable if they sell to visibly intoxicated individuals, leading to harm or damage.

All involved should prioritize responsible alcohol service to align with the act and avoid legal repercussions, enhancing safety and reducing risks.

Criteria for Liability Under the Indiana Dram Shop Act In Indiana

Certain criteria must be met to establish dram shop liability under the Indiana Dram Shop Act. These criteria include:

1. Visibly intoxicated person: The person who receives the alcohol must be visibly intoxicated at the time the drink is provided. Signs of intoxication may include unsteady walking, slurred speech, and other observable indicators.
2. Proximate cause: The intoxication of the person who receives the alcohol must be the proximate cause of death, injury, or property damage suffered by another party. Proximate cause refers to the direct cause-and-effect relationship between the intoxicated person’s actions and the harm caused.
3. Dram shop claim: A dram shop claim can be filed against the individual or establishment that provided the alcohol if the above criteria are met. This claim holds them legally responsible for the consequences of their actions.

By meeting these criteria, a plaintiff can establish liability and seek compensation for damages caused by the actions of a visibly intoxicated person. It is important to consult with a personal injury lawyer experienced in dram shop cases to navigate the legal complexities and ensure the best possible outcome for a dram shop claim.

How the Dram Shop Act Supports Victims Of Drunk Driving Accidents

The Indiana Dram Shop Act supports victims of drunk driving incidents by allowing them to pursue compensation for their losses. Some ways in which the act supports victims include:

Personal injury compensation: Victims can seek compensation for their physical injuries, emotional distress, pain and suffering, and other damages resulting from the drunk driving incident.

Medical expenses: Victims may be able to recover the costs of their medical treatment, rehabilitation, therapy, and any ongoing healthcare needs.

Property damage: If the drunk driver caused damage to the victim’s property, such as their vehicle, the act allows for compensation for the repair or replacement costs.

Punitive damages: In certain cases where the actions of the drunk driver or establishment were particularly egregious, the act may allow for punitive damages on top of compensatory damages.

By providing avenues for compensation, the Indiana Dram Shop Act aims to alleviate the financial burden placed on victims of drunk driving incidents and hold all responsible parties accountable for their actions.

Suing for Personal Injury and Dram Shop Liability

If you’ve been injured by a drunk driver who was over-served at an establishment, you have the legal right to pursue compensation through multiple avenues. Firstly, you can file a personal injury claim directly against the drunk driver responsible for the injuries you’ve suffered. This claim focuses on holding the individual accountable for the negligent actions leading to the accident. Additionally, under the Indiana Dram Shop Act, it’s possible to bring a claim against the establishment that served alcohol to a visibly intoxicated individual. This act recognizes the role that negligent service of alcohol can play in contributing to the damages incurred by victims. Therefore, victims of such incidents have the opportunity to seek legal recourse from both the individual causing the harm and the establishment that enabled the intoxication.

How Our Lawyers Can Help

At our firm, we are dedicated to assisting victims of drunk driving and dram shop liability cases in securing the compensation they rightfully deserve. We are experts in Indiana’s dram shop law and will fight for justice for you.

Here is how our legal team can support you through this challenging process:

Expert Legal Advice

Our lawyers possess extensive experience in Indiana dram shop liability and personal injury law, ensuring you receive expert advice tailored to the specifics of your case. We navigate the legal complexities on your behalf, focusing on establishing liability and maximizing your compensation.

Comprehensive Case Evaluation

We conduct a thorough evaluation of your case, gathering and analyzing all relevant evidence to build a strong foundation for your claim. Whether it’s collecting eyewitness testimonies, surveillance footage, or medical records, our team leaves no stone unturned.

Negotiation with Insurance Companies

Dealing with insurance companies can be daunting and confusing. Our attorneys are skilled negotiators who will advocate for your best interests, aiming to secure a fair settlement that covers your financial, physical, and emotional damages without the need for a trial.

Representation in Court

Should your case proceed to trial, our seasoned trial lawyers are prepared to represent you robustly in court. We articulate a compelling narrative of your plight, employing persuasive legal arguments to hold the responsible parties accountable.

Support and Guidance Throughout the Process

Beyond legal representation, we offer emotional support and guidance throughout the legal process. We understand the trauma and stress associated with such incidents and strive to make the legal process as smooth and stress-free as possible for our clients.

By entrusting our legal team with your case, you gain a partner committed to advocating for your rights and securing the justice and compensation you deserve.

Contact Doehrman Buba Ring Today

If you or a loved one has been injured in a drunk driving incident and believe that the establishment or individual who served alcohol may be at fault, contact Doehrman Buba Ring today. Our team of experienced personal injury lawyers specializes in dram shop claims and can help you seek the compensation you deserve under the Indiana Dram Shop Act. Contact us today for a free consultation to discuss your case and learn more about your legal options. 

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What Does the 22 Pushup Challenge Have to Do with TBIs? 29 May 2024, 12:02 pm

Just as the Ice Bucket Challenge helped propel ALS awareness and fundraising to new heights, the 22 Pushup Challenge has recently caught fire. The challenge is a fundraising and awareness campaign designed to combat the high number of suicides among veterans of the armed forces. According to a report regarding the campaign in Inc., on average, 22 veterans commit suicide each day. Often, these suicides are, at least, in part a result of post-traumatic stress disorder (PTSD) and traumatic brain injuries (TBI) soldiers have suffered during combat. Therefore, the 22 Pushup Challenge helps TBI survivors.

The way the 22 Pushup Challenge works is a person does 22 pushups and then challenges someone else to do it either in person or through a social media site, such as Facebook, Twitter or Instagram. In addition, while not a requirement of the campaign, participants are encouraged to donate time or money to a veterans’ assistance organization of their choice. One such organization, 22Kill, is behind the pushup challenge. The goal of the program is to:

• Encourage more people to advocate for veterans
• Support other veterans’ assistance organizations
• Raise awareness about issues veterans face, including transitioning back into civilian life, suicide, PTSD, and TBI

TBI May Increase Your Risk of Suffering PTSD

PsychCentral featured a report regarding the connection between TBI and PTSD. According to the article, data from a new study revealed that traumatic brain injury can increase a person’s risk of suffering PTSD. The participants in the study were emergency service workers, such as EMTs and firefighters. Data from the study showed that six months after brain injury, 27 percent of patients were suffering from PTSD when they came in for a follow-up visit.

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How Do Federal Regulations Reduce Fatigued Truck Drivers? 29 May 2024, 12:02 pm

Due to the competitiveness of the trucking industry, truck drivers are frequently driving to the point of exhaustion. Late last month, a semi carrying two occupants flipped over on its side on Interstate 65 near Lebanon.

Fortunately, no one was seriously hurt, but Fox 59 says, “Alcohol is not thought to be a factor, but police say fatigue may have contributed to the crash.”

This news story is, unfortunately, a common occurrence in the trucking industry, but the Federal Motor Carrier Safety Administration (FMCSA) has strict rules in place to prevent truckers from overworking themselves. These rules are known as the hours of service regulations (HOS).

What Are the Hour of Service Regulations?

The HOS regulations limit the number of hours a driver of a commercial motor vehicle (CMV) can drive. In other words, it tries to prevent truckers from driving while fatigued.

Are HOS Regulations Different for Trucks Carrying Property or Passengers?

A commercial driver’s license (CDL) holder may be driving a CMV that is carrying passengers, materials, or products. The HOS requirements are slightly different, depending on what the driver is carrying.

Below are some of the differences in HOS for property-carrying trucks and passenger-carrying trucks:

• For property-carrying trucks, a driver is allowed to drive for 11 hours following 10 consecutive hours off duty. A driver for a passenger-carrying truck is allowed to drive for 10 hours following eight consecutive hours off duty.
• A driver for a property-carrying truck is not allowed to work longer than 14 hours following 10 consecutive hours off duty. A driver for a passenger-carrying truck is not allowed to work longer than 15 hours following eight consecutive hours off duty.

The distinctions in HOS regulations for passenger-carrying operations and property-carrying operations are important for all truckers to abide by. The rules are in place to protect the motoring public, and it is the responsibility of truckers to do their part to maintain the public’s safety.

If you’ve been involved in a truck accident contact our experienced truck accident attorneys for a free consultation of your case.

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How Long Will My Indiana Personal Injury Claim Take to Settle? 29 May 2024, 12:02 pm

Settling any type of personal injury claim can be a challenging process. Giving you a time frame for what to expect can be difficult because many factors play a role in it. It’s important not to rush your settlement. You want to be sure all of your losses are included. At the same time, you may need the financial support right away. So, what can you expect?

When you come in to see our personal injury attorneys in our Indianapolis office, we will discuss your case with you. We’ll give you information about what you can expect. We encourage you to give Doehrman Buba Ring Attorneys at Law a call today to learn more about your specific case.

What Can You Expect?

One of the most common questions asked by those suffering from loss is this. “How long will it take to get my settlement?” Often, people are hoping to settle very quickly so they can get funds in their account sooner. Yet, it is essential to balance a fast personal injury settlement with getting the financial support owed to you.

To be clear – you can settle your claim quickly, often within a matter of months. However, doing so nearly always means you will receive less.

Why Your Insurance Company Is Rushing You

Insurance companies have a single goal – close the settlement by signing release forms as soon as possible to minimize what is paid out. But, consider a typical car accident. You suffer injuries and have medical debt. But, what if it takes six months or longer to work out your ability to walk and get back to work again? What if you never regain full use of your arm? You will not know this in the few months after your accident. Yet, if you agree to a settlement sooner, you will find yourself “stuck” without the ability to claim more of your losses. The insurance company is not working for you. You should never feel pressured to close your claim too quickly.

But, Why Does It Take So Long to Settle an Indiana Personal Injury Claim?

The length of time is not always too long. However, there are numerous factors impacting the length of time it will take to settle your claim. Here are some common reasons you may experience a delay.

• The case is a high-value case. This means there is more on the line and the insurer wants to be sure they have to pay it out.
• You have not reached a complete dollar amount for your medical losses or needs; making it hard for you to settle on a specific amount.
• There is missing information, problems with the case, or legal matters waiting to be resolved.

In these situations, you can expect the settlement of your personal injury case to be significantly longer. On the other hand, a simple claim with no pain and suffering claims or extensive damage may only take a few months at most to settle.

Understanding Personal Injury Negotiations

A good deal of the time it takes for you to settle your case will relate to the negotiation process. Your personal injury attorney will handle this for you. However, you should understand what happens and, as a result, why every step in the negotiation process lengthens the amount of time it is going to take you to obtain your settlement.

• You send a demand letter outlining your losses.
• The insurer will then contact you or your attorney. The adjuster will specifically state what is wrong with the claim. Questions about liability, specific claims, the extensiveness of your injury, and the type of care you received will be brought up.
• You will then need to submit a response to any concern. In short, you need to prove you deserve those funds.
• Then, the insurance adjuster may come back to you with a “fast” offer. This is typically below what you are asking for in your demand letter. Remember, they want you to settle. If they know you are in a hurry to settle, they may create a low-value offer here.
• You may work with your attorney to reduce what your demand is – or, if not, you may end up in a court case.
• A bit of back-and-forth negotiation can happen between you and the adjuster.

If you cannot come to an agreement, your case will wind up in court for a judge to determine what is fair. However, when you are working with a personal injury attorney, you may be able to reduce some of these risks. You may be able to increase the amount of your demand letter by having more information. And, you will have access to more information, evidence, expert testimony, and much more to validate your claims.

It can take a while to file a claim and receive a settlement. Yet, when you wait, you will get more of what is owed to you.

Schedule a FREE Consultation with Your Personal Injury Attorneys in Indianapolis

To learn what your case entails and what you can expect from filing a claim, call our offices. Our team has a solid reputation for being aggressive and winning complete claims for our clients. You can receive a free case review by calling Doehrman Buba Ring Attorneys At Law. Call us at [nap_phone id=”LOCAL-CT-NUMBER-1″] or fill out our online form for more information.

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Sponsoring the Joseph Maley Foundation 5k 29 May 2024, 12:02 pm

The Joseph Maley Foundation 2017 5K Run, Walk, Roll:

Here’s how you can help Indianapolis-area children & have a great time doing so

The spirit of service is the spirit of a community

A good measure of a community’s vitality is the willingness of its members to perform selfless service. The more people who, together and individually, contribute their time and themselves for the benefit of others, the more the community becomes a better place for all.

Not everyone is inclined to participate in this spirit of service. It is a gift that a relative few choose to give. And one of the ironies of life is that often these social pillars, who do so much worthy of recognition, go unrecognized. Much of what they do is not glamorous. Many of them do not seek attention for their service. But they and their activities are key to making Indianapolis such a great place to live, work and raise a family.

At, we admire those who give back to our city and its surrounding areas. That’s why we’re one of the sponsors for the Joseph Maley Foundation’s 2017 5K Run, Walk, Roll event, to be held on Saturday, July 15, 2017. And to further show our appreciation for those who do good things for others, we’re holding a contest to give away four participation tickets (value up to $140) to this event.

We’ll give more details on the contest in a moment. But first we want to highlight the important work that the Joseph Maley Foundation does for children in our community, so that if you win the contest you’ll better understand one of the important benefits of participating in the 5K event.

What is the Joseph Maley Foundation?

Joseph Maley was born with disabilities, both cognitive and physical. He could not speak. But he never let his physical limits become barriers to living a life of meaning. To those who met him, he was not disabled as much as he enabled: through his own contagious effervescence he demonstrated every day that love and acceptance for all exist in each of us. By his own example he encouraged everyone to find in themselves and to share that same spirit.

When Joseph died at the age of 18, his parents John and Vivian, along with their other four children, knew that his message of love and acceptance for all was worth keeping alive. They created the Joseph Maley Foundation toward this end. Today the Foundation serves children with disabilities and others through programs that raise disability awareness in schools, provide advocacy services for families and educators, offer emotional, physical and mental health services to disabled children and their families, and more.

The importance of the Foundation’s work is reflected by a simple statistic: five percent of school children in Indianapolis have some form of disability, with four of five having cognitive disabilities. Of these cognitive disabilities, the vast majority are “mild” in nature – meaning that far from being sequestered away from other students, many of these children are present in the same classrooms and participate in the same activities as their peers. They cannot be sidelined, ignored, or forgotten, and the Foundation sees to it that they are not.

Through its theme of “Serving children of all abilities,” the Foundation promotes the message that all children can make a positive difference in their communities and in the world. The 5K Run, Walk, Roll event in one way the Foundation spreads its message of acceptance and inclusion for every child, without regard to external “labels” that others might apply to them.

The 5K Event

The 5K Run, Walk, Roll is multiple events in one:

• If you are a serious competitor (the event is the Indiana 5K Championship race for the USA Track & Field organization), the timed Elite Race begins at 8:00 AM.
• If you want to participate but aren’t concerned about how fast you finish, the open event begins with the wheeled start at 8:30 and the everyone else at 8:35. The course begins at Michael Carrol Stadium, then follows a route through downtown Indianapolis on both sides of the White River before finishing back at the stadium.

Aside from the 5K course, the event will also have activities suitable for all family members as well as musical entertainment and refreshments. It’s the perfect opportunity to get outside and enjoy an active summer morning, while being able to participate in as worthy a cause as it gets (all event proceeds will go toward funding the Joseph Maley Foundation’s programs).

The Contest

Registration for the 5K event can cost up to $35 per person, depending on age or status as a student, but how would you like to join in for free? To win four tickets on us, participate in our contest. Here’s how:

We want to know more, and show more, about how members of the Indianapolis community are serving others, especially children. Tell us your answer to the following question by leaving a comment on our Facebook page –

“What is one thing that I do to empower children in the Indianapolis area, or to advocate on their behalf?”

If we like your answer the most, you win the tickets – and the chance to have your story told to the community.

We’ll choose the winner on Thursday, July 13th. If that’s you, you will be given a Promo Code on Friday the 14th.

Be There!

It’s not every day that you can be part of something that is an unmixed benefit to everyone, but even if you don’t win our contest the 2017 5K Run, Walk, Roll is still definitely worth being a part of: you can get outdoors, get some exercise, see and meet other members of the Indianapolis community who care about the welfare and development of its children as much as you do, know that your participation will not only raise money for a good cause but boost awareness of that good cause, and – not least importantly – have fun while doing all of the above.

Good luck in the contest! If you have any questions about it, let us know. We’re looking forward to seeing you on Saturday the 17th!

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