Indiana truck-injury cases with significant injuries often settle in the mid-five figures to low six figures, and verdicts can go much higher when a pregnancy complication, fetal monitoring, or long-term harm is involved.

From the insurance company's perspective, they want you to think the driver's policy is the whole case, the crash report is enough, and any missing log data is no big deal. They may act like the truck's electronic logging device, dash cam, Qualcomm messages, GPS pings, and pre-trip inspection records are routine business data that "wasn't saved." They also like to blur the roles of the driver, motor carrier, and sometimes the broker, because once you know who actually controlled the load and the truck, more insurance may be on the table.

Reality: those records matter immediately. Under FMCSA rules, hours-of-service records and supporting data can show fatigue, skipped breaks, false logs, route timing, and whether the truck should have been on I-465 or I-70 at all. If evidence is destroyed after the company knows a claim is coming, Indiana courts can treat that as spoliation. That does not automatically win the case, but it can hurt the defense badly.

For insurance limits, a standard interstate carrier usually must carry at least $750,000 in liability coverage, and many have $1 million or more. Hazardous cargo can trigger higher federal minimums. A broker is different from a carrier; sometimes the broker has exposure, sometimes not, depending on control, contracts, and what they knew.

Because you are pregnant, the crash claim is not just about your ER bill. It can include fetal monitoring, OB follow-up, ultrasound checks, labor-and-delivery evaluation, and trauma-related symptoms even if the baby seems fine today. In Indianapolis, that usually means records from Eskenazi, IU Health, Community, or Ascension St. Vincent need to be tied to the crash quickly.

Indiana's general injury deadline is 2 years under Indiana Code 34-11-2-4, but truck evidence can disappear in days or weeks. Around tax season, insurers know medical debt pressure makes fast low offers tempting. That is usually the point.