What the insurance company does not want you to know is that yes, an Indiana Uber passenger claim can be worth it fast, especially with a collapsed lung, because the available coverage may be far higher than the driver's personal policy.

The part that trips up people who moved here is Indiana's rideshare insurance rule: when an Uber trip is underway, there is typically up to $1,000,000 in liability coverage in play under Indiana's transportation network company law, not just the driver's own auto limits. If you were the passenger, fault usually is not the main fight at the start. Coverage is.

Here are the exceptions and edge cases that make it more complicated:

• If a city or school-related vehicle was involved, the deadline can shrink hard. A claim against the City of Indianapolis, IndyGo, or another local government unit can require a formal notice under the Indiana Tort Claims Act within 180 days. Claims involving the State of Indiana can require notice within 270 days. Miss that, and a strong injury case can die early.
• If Uber says the ride was not active yet, they may try to push you onto lower coverage or another insurer. The app status, trip receipt, screenshots, and timing matter immediately.
• If another driver caused the crash, you may have claims against that driver and the rideshare policy. Indiana does not make you pick just one too early.
• If your injury looked minor at first, a pneumothorax can worsen after the crash. Records from IU Health Methodist Hospital or another ER matter because chest injuries often do not behave like a simple bruise.
• If you wait too long, Indiana's general lawsuit deadline is usually 2 years from the crash date.

Back-to-school traffic around bus stops, school zones, and distracted parent pickup lines creates exactly the kind of Indianapolis crash where multiple insurers start pointing fingers. That finger-pointing burns time you do not have.