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Car Insurance Facts in Indiana

In Indiana, you are required minimum liability insurance to drive a car legally. These are personal injury ($25,000), third-party bodily injury $50,000, and property damage ($10,000). If you do not have these minimum coverage, you license may be automatically suspended for 90 days. You should also get uninsured motorist coverage ($50,000) in case the at-fault driver has no insurance.

These figures may seem like a lot, but when an accident occurs, it may not be enough to cover expenses. According to the website of Habush Habush & Rottier S.C.®, anything over what the insurance policy will cover will have to come out of your own pocket. You should get more than the minimum required by state law.

You might also want to consider getting optional comprehensive insurance for your vehicle in case of theft, fire damage, or vandalism. Collision insurance covers damage to your car. Other recommended coverage includes medical payments, rental reimbursement, and loan/lease gap coverage.

If you commit a serious violation of traffic laws, or received three tickets within a one year period, the Indiana Bureau of Motor Vehicles (BMV) will request your insurance company to submit a Certificate of Compliance. This will prove that you had the required insurance at the time of the incident. The certificate has to be sent to the BMV within 40 days to prevent license suspension.

If you get a conviction of driving a car in Indiana without the required insurance, you will be placed on the Previously Uninsured Motorist Registry. This means that at anytime within a 5-year period you will be required to produce proof of financial responsibility i.e. car insurance.

The Consumer Services Department of the Indiana Department of Insurance (IDOI) can help you if you have problems securing the required car insurance such as a spotty driving record. It can also assist you if you have complaints about your insurance company. The IDOI will usually acknowledge and process the complaint within 72 hours.

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