Archive for June, 2012

Indiana’s Texting & Driving Laws – Do They Work? Indianapolis Injury Attorney Thinks Not

Friday, June 29th, 2012

I saw an article in today’s Indianapolis Star regarding a 15-year-old young woman who was struck as a pedestrian by a 17-year-old motorist who lost control of his car while texting on his cell phone.  While the young lady was not killed, unfortunately she did suffer numerous fractures that will likely cause her to have residual orthopaedic issues for the rest of her life.

While young people seem to be involved in most accidents involving texting while driving, it is common to see people of all ages looking down at their cell phones while driving.  I even saw one fellow the other day steering his car with his knees while typing away at his cell phone!  While everyone knows that texting and driving is unwise, many people may not know that it is also illegal and can result in substantial traffic fines.

In July of 2011 Indiana became one of thirty-nine states to implement a statewide ban on texting while driving.[1] The law prohibits all drivers from using cell phones to type, transmit, and read text messages and emails except via hands free technology or unless used to call 911.

A violation of Indiana’s texting law constitutes a Class C infraction and is punishable by a fine of up to $500.[2]  However, the law prohibits police officers from confiscating a driver’s cell phone for investigative and evidentiary purposes.[3] This renders the law nearly impossible to enforce unless a driver admits that he or she was texting, or a prosecuting attorney decides to subpoena a driver’s cell phone records.  In all auto or trucking accident cases that my office handles, I routinely subpoena a driver’s cell phone records and compare these records with the the time that any 911 calls were made.

Despite these challenges for law enforcement, the Indiana State Police issued 125 citations and 114 warnings for texting violations in 2011.[4] In the first half of 2012, the Indianapolis Metropolitan Police Department issued 2 texting citations, the Carmel Police issued 10, and Noblesville Police 1 during this same period.[5]

At least one Indiana lawmaker[6] has suggested that Indiana’s criminal recklessness statute is sufficient to prosecute drivers cell phone use, whether or not covered by the state’s texting law, if it creates a substantial risk of bodily injury to another person.[7] The offense of criminal recklessness is a Class A misdemeanor if the conduct includes the use of a motor vehicle[8], and a Class D felony if it inflicts serious bodily injury on another person.[9]

In Massachusetts recently, an 18-year-old motorist was convicted of manslaughter while texting and causing a fatal traffic accident, and was sentenced to 4 ½ years in prison.  No such prosecutions have been brought to my knowledge in Indiana yet, but are certainly a possibility.

Teen Drivers and Cell Phone Usage

In addition to Indiana’s texting while driving law, individuals under the age of 18 and licensed after June 30, 2009 are prohibited from any and all cell phone use until their eighteenth birthday.[10] As with the state’s texting law, an exception is made if a phone is used for 911 emergency purposes. A violation of this statute is a Class C Infraction.[11]

After the Massachusetts teenager that I mentioned earlier was convicted in a court of law, he issued the statement,“I made a mistake.  If I could take it back, I would.”  Unfortunately, some mistakes can’t be taken back, and victims of such accidents and their families have to live with the consequences of such preventable mistakes forever.



[1] Ind. Code § 9-21-8-59(a).

[2] Ind. Code § 9-21-8-49; Ind. Code § 34-28-5-4(c).

[3] Ind. Code § 9-21-8-59(b).

[4] Jenny Montgomery, Indiana’s Texting Ban Difficult to Enforce, Ind. Lawyer (June 20, 2012), http://www.theindianalawyer.com/indiana-s-texting-ban-difficult-to-enforce/PARAMS/article/29041.

[5] Erin Murphy, Police Struggle to Enforce Texting Law, WISHTV.com (June 7, 2012), http://www.wishtv.com/dpp/news/indiana/police-struggle-to-enforce-texting-law.

[6] Montgomery, supra note 4.

[7] Ind. Code § 35-42-2-2(b)(1).

[8] Ind. Code Ann. § 35-42-2-2(c)(1).

[9] Ind. Code Ann. § 35-42-2-2(d)(1).

[10] Ind. Code § 9-24-11-3.3; Ind. Code § 9-24-11-3.3(b)(4).

[11] Ind. Code § 9-24-11-8(a).

What Do You Mean I’m Not Covered? Claims Against Your Insurance Agent

Sunday, June 10th, 2012

It’s difficult to watch any sporting event on television these days without being bombarded by ads from insurance companies that have sponsored the event who claim that their agents will act “like a good neighbor”, “protect you from mayhem”, and “be on your side.”

But the fact is that most people never actually read their insurance policy until they actually have a claim, but instead rationally assume that their insurance agent knows what insurance coverage they should have and that they in fact have this coverage.  Unfortunately, this is not always the case.

Although many laws in Indiana favor the consumer, insurance law regarding the duties and obligations of agents does not.  In Indiana, an agent has no legal duty or obligation to recommend specific coverages for their customers unless the insured can provide evidence of an ongoing “special relationship” with the agent.  This “special relationship” has been defined by Indiana courts as consisting of evidence of a long standing relationship, reliance upon the agent, and a representation of the agent’s expertise that the customer relies upon.   Merely telephoning an insurance agent and asking what coverage they recommend is likely not enough to establish an obligation on behalf of the agent to properly advise the customer.

In addition, if the agent fails to recommend or provide coverage for their customer, a two-year statute of limitations for any legal claim against the agent starts to run when the policy is delivered to the customer rather than when a claim arises.  A common complaint that I have seen against an agent arises from a lack of sewer back up coverage on a homeowners or business policy.  This is very inexpensive coverage that insures against a backup of sewage into a home or business from a city sewer system.

One would think that such coverage would be part of every homeowners or business coverage since it is so inexpensive.   However, if an agent failed to recommend or provide this coverage, a two-year statute of limitations on any claim against that agent would begin to run when the policy was delivered, rather than when a claim arose and it was discovered that no such coverage was provided.  In addition, if there was no “special relationship” with the agent, the agent would have no legal duty to advise their customer that they should have this coverage.

So how can one protect oneself?  First and foremost, the best advice is to read your policy when you receive it, especially the declaration page where types and amounts of coverage that are provided by the policy are listed.  If you don’t understand something, call your agent and ask them to explain it to you.

Secondly, do some creative thinking about what claims are the most likely to happen, and ask your agent if you are covered for this.  For example, if the pipes in your house freeze and burst during the winter and flood your house while you’re on vacation, what damage is covered by your policy?

If a tree limb falls on your house, are you covered for this damage? I’ve seen policies that provide coverage if a tree falls because of wind, but excludes coverage if a tree limb falls due to ice.  What damages are covered by flooding from heavy rain is also a good topic to discuss with your agent.  If in doubt, ask!