Charles Hubley is a trial lawyer at Hurst Limontes LLC, a personal injury law firm based in Indiana. Before bringing his comprehensive knowledge and experience to Hurst Limontes, Charles litigated major insurance lawsuits while gaining experience taking cases to trial with many of the best trial lawyers in South Florida. While there, he achieved favorable jury verdicts and judgments against insurers such as State Farm, GEICO, Progressive, Allstate, and United Automobile Insurance Company, recovering hundreds of thousands of dollars for his clients.

A proud Hoosier, Charles was born and raised in Indianapolis, Indiana. He studied political science and history at Indiana University before attending the University of Miami School of Law, where he was a member of the renowned Miami Innocence Project, a legal clinic dedicated to identifying and exonerating innocent individuals.

Here’s a glimpse of what you’ll learn:

• [1:02] Why Charles Hubley files more lawsuits than anyone else in the office
• [1:54] Challenges and the importance of filing lawsuits on smaller injury cases
• [6:39] A catastrophic injury case and what made it unusual
• [10:13] Why Indiana’s workers’ compensation laws are “wholly inadequate”
• [12:51] Issues with DoorDash, Instacart, and other gig economy injury claims
• [15:48] Handling emotionally charged sexual assault cases involving minors
• [25:31] A wrongful death case involving a confusing delivery hub and foreseeability arguments
• [30:21] Surprising jury verdicts and the unpredictability of comparative fault

In this episode…

When injury victims face insurance companies that refuse to offer fair compensation, they often feel powerless and uncertain about their legal options. Smaller claims can be particularly frustrating, as many attorneys shy away from litigating them, leaving injured individuals with inadequate settlements. How can everyday people effectively challenge insurance companies and pursue rightful compensation?

Trial lawyer Charles Hubley shares how persistence, preparation, and a willingness to go to court — no matter the case size— can shift the power dynamic back in favor of the injured. Charles explains the shortcomings of Indiana’s workers’ compensation laws, why some lawyers avoid certain cases, and how his team steps in anyway. He advises individuals injured in gig economy roles, such as DoorDash or Instacart drivers, to thoroughly understand the protections available to them, as these claims are often complicated and undervalued. With vigilant advocacy in emotionally charged cases, like those involving sexual assault and negligent security, attorneys and victims can hold companies accountable and prevent future harm.

In this episode of Circle City Conversations, Alex Limontes interviews Charles Hubley, trial attorney at Hurst Limontes LLC, about litigating personal injury and wrongful death cases. Charles also discusses navigating negligent security cases, overcoming jury unpredictability, and how working with vulnerable clients such as minors shapes his legal approach.

Resources mentioned in this episode:

• Alex Limontes: LinkedIn | Bio | Facebook
• Hurst Limontes LLC
• Charles Hubley: LinkedIn | Bio
• “Ep. 38: The Duty of Safety: Legal Insights on Catastrophic Accidents With Timothy F. Devereux” on Circle City Conversations
• Indiana Trial Lawyers Association

Quotable Moments:

• “We do it for our clients, and we do it to show them that we’re willing.”
• “You hope and pray that you doing your job and holding them accountable will force change.”
• “There’s always a smoking gun somewhere. If you ask for it, eventually you will find it.”
• “You’ve got to dig and find the evidence.”
• “We’re in this to do right; it’s to change the patterns of these companies and these stakeholders.”

Action Steps:

1. Be willing to file suit, even on smaller injury cases: Taking legal action shows insurers you won’t settle for less than your client deserves. It also ensures justice is accessible, regardless of case size or dollar value.
2. Investigate cases involving independent contractors thoroughly: Gathering evidence early — especially from companies like DoorDash or Instacart — can uncover critical insurance coverage. These cases often involve unique liability gaps that must be addressed quickly.
3. Challenge lowball offers with trial readiness: Insurance companies often settle fairly only when they know you’re ready to take the case to court. Showing a pattern of trying cases helps establish credibility and leverage.
4. Dig deep into negligent security and assault cases: These cases require parallel investigations alongside law enforcement to uncover evidence of foreseeability and negligence. Doing so can expose dangerous patterns and lead to more substantial outcomes for victims.
5. Prioritize emotional resilience in sensitive cases: Handling cases involving children or traumatic injuries demands both legal skill and emotional awareness. Staying grounded helps attorneys advocate fiercely while supporting clients through painful experiences.

Sponsor for this episode…

This episode is brought to you by Hurst Limontes LLC — a personal injury law firm based in Indiana.

Founded in 1981, Hurst Limontes LLC is one of the few firms whose practice focuses exclusively on victims of negligence and their families.

With more than 116 years of combined experience among our attorneys, you can trust us to handle your cases with valuable and extensive expertise. We have the knowledge to handle any case — from automobile accidents to construction site accidents, firearm discharge accidents, slips and falls, and more.

No matter how complex the case or how significant the injury is, we aim to make the process as stress-free as possible for clients.

Our attorneys have represented thousands of injured clients and obtained hundreds of millions of dollars in settlements and verdicts.

Have you or a family member been a personal injury victim in Indiana? Contact our dedicated team of personal injury lawyers at hurstlimontes.com or email alimontes@hurstlimontes.com.