Hurt in a crash with a commercial truck in Indiana? Truck claims can involve the driver, the carrier, and their insurers, and two state rules shape every claim: the filing deadline and how fault is shared.
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Indiana's two-year personal injury SOL under Ind. Code § 34-11-2-4 keeps the courthouse door open — but federal evidence retention schedules close the evidence window far sooner. Under 49 CFR § 395.22(i), electronic logging device historical records must be maintained by the motor carrier for only six months, and only if a formal spoliation demand has been issued prevents normal purge cycles. I-70 through Indianapolis is one of the highest-volume truck corridors in the Midwest, where hours-of-service violations by drivers pushing through Chicago-to-Cincinnati runs, fatigued night drivers, and overloaded Midwest freight hauls create the conditions for catastrophic crashes. A preservation letter to the motor carrier, TNC, or logistics company within the first week is the single most valuable case-building step — the two-year SOL can wait, the ELD records cannot.
Indiana truck crashes involve multiple defendants by design. The driver is the starting point; the motor carrier bears vicarious liability for the driver's conduct and direct liability for negligent hiring, training, supervision, and retention. If the tractor and trailer have different owners from the carrier, separate policies exist for each. The shipper bears liability when improperly secured cargo shifted weight and contributed to the driver's loss of control on an Indiana Interstate grade. The maintenance contractor is liable in mechanical-failure cases — brake failures and tire blowouts on I-65 are the paradigmatic example. A component manufacturer faces product liability when a defective brake system or coupling device caused the failure. Federal law under 49 CFR § 387.9 requires interstate carriers to maintain at least $750,000 in liability coverage, dramatically exceeding Indiana's 25/50/25 personal auto floor.
Indiana Code § 8-2.1-24-18 adopts 49 CFR Parts 390-399 for intrastate commercial motor vehicles by reference, creating a full federal regulatory framework for carriers operating within Indiana regardless of whether the trip crosses state lines. This means hours-of-service limits (Part 395), driver qualification files (Part 391), vehicle inspection and maintenance records (Part 396), drug and alcohol testing (Part 382), and hazardous materials rules (Part 397) all apply to intrastate Indiana carriers. The Indiana State Police Commercial Vehicle Enforcement Division enforces both state and federal CMV regulations statewide. Every violation of the FMCSR framework adopted by Indiana — whether a missed HOS break, a failed brake inspection, or a qualification gap in the driver file — is admissible evidence of carrier negligence in an Indiana court.
When an Indiana highway defect — inadequate runaway truck ramps on I-65, missing guardrails on an INDOT-maintained exit ramp, poor drainage on I-70 that creates black ice — contributed to a truck crash, a claim against INDOT or a county highway department may be viable alongside the private-defendant claims. The Indiana Tort Claims Act under Ind. Code § 34-13-3-8 requires written notice to the appropriate political subdivision within 180 days of the date of loss. ITCA damages for government defendants are capped at $700,000 per person and $5,000,000 per occurrence under § 34-13-3-4. Missing the 180-day written notice permanently bars the government-entity claim, regardless of how much time remains on the two-year PI SOL.
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The legal information on this page is for general educational purposes only and is not legal advice. Laws change, and every case is different. Always consult with a licensed attorney in your state to verify the current law and how it applies to your specific situation.
Two years from the date the cause of action accrues under Ind. Code § 34-11-2-4. But ELD data retention under 49 CFR § 395.22(i) is only six months without a preservation demand — issue a spoliation letter to the carrier within days of the crash. For government road defect claims, the Indiana Tort Claims Act under § 34-13-3-8 imposes a 180-day written notice deadline for political subdivisions, with ITCA caps of $700,000 per person under § 34-13-3-4.
Indiana follows the federal 80,000 lb gross vehicle weight standard on Interstate highways under Ind. Code § 9-20. Oversize/overweight vehicles require permits from INDOT. Vehicles exceeding these limits require permits and may face enhanced liability for crashes where excess weight contributed to brake failures or loss of control. The Indiana State Police Commercial Vehicle Enforcement Division enforces size and weight regulations statewide.
Ind. Code § 8-2.1-24-18 adopts 49 CFR Parts 390-399 (the full FMCSA regulatory framework) for intrastate commercial motor vehicles in Indiana. This covers hours-of-service (Part 395), driver qualification (Part 391), vehicle inspection and maintenance (Part 396), drug and alcohol testing (Part 382), and hazardous materials (Part 397). The ISP Commercial Vehicle Enforcement Division enforces both state and federal CMV regulations statewide, and every federal violation is admissible evidence of negligence in Indiana litigation.
Typical defendants in an Indiana truck crash: the driver; the motor carrier (vicariously and directly for negligent hiring, training, supervision, and retention); tractor and trailer owners if different from the carrier; the shipper when improperly secured cargo contributed; the maintenance contractor for brake or tire failures traceable to deferred service; and a component manufacturer for defective brakes, tires, or coupling devices under product liability. Fault is apportioned under Indiana's 51% comparative fault bar (§ 34-51-2-6).
Under Ind. Code § 34-51-2-6, recovery is barred when the claimant's fault exceeds 50% of total fault. Below 51%, damages are reduced proportionally. In truck cases, the defense argues following distance, merge behavior, and lane changes. Federal carrier violations — HOS breaches, failed inspections, driver qualification gaps — are the evidence that anchors fault on the trucker and carrier and holds the victim's fault below the 51% elimination threshold.
All legal information on this page is sourced from primary government statutes. Last verified 2026-04-07.
Ind. Code § 9-20
Size and weight limits for vehicles
ISP Summary of Indiana Size and Weight Laws
Indiana State Police size/weight summary (PDF)
Ind. Code § 8-2.1-24-18
State adoption of FMCSA regulations for intrastate CMVs
Indiana DOR Motor Carrier Services — CMV Guidebook
DOR commercial motor vehicle guidebook (PDF)
ISP Commercial Vehicle Enforcement
Indiana State Police CVE Division
Indiana DOR — Intrastate Operating Authority
DOR intrastate passenger and household goods authority
Indiana Courts — CMV/Driver Enforcement Deskbook
Judicial deskbook on CMV enforcement (PDF)
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