Indiana Car Insurance

It is essential for every registered vehicle in Indiana to have proof of liability insurance. You need to update your insurance status annually with Bureau of Motor Vehicles in Indiana.

What is my coverage under Indiana Auto Insurance? Mandatory Coverage

Mandatory coverage includes Property Damage Liability and Bodily Injury Liability. Normally, if your registered vehicle has any accident you receive a minimum of $ 25,000 for body injuries for each person, $50,000 for total injuries and $10,000 for damages to your property. Hence, you need to opt for higher liability limits to get higher amounts as damage claims.

Optional Coverage

Optional coverage includes Medical Payments Coverage, Collision Coverage, Uninsured Motorists, Underinsured Motorists Coverage, and Comprehensive Coverage. You need to include all these coverage for total protection in case of any accident. Specifically Uninsured and Underinsured Motorists coverage covers all your costs of body injuries and damages to property if you have any accident with another driver without any liability insurance.

What happens if I do not have Indiana auto insurance?

You remain an uninsured motorist if you do not have any auto insurance for your vehicle. You could face certain penalties if you drive without proper insurance. Such penalties could be –

You face suspension of your license for ninety days to a year depending on number of times you repeat same offense within three years.
You then pay $150, $225, or $300 as reinstatement fees depending on whether it is a first, second, or third time offense. Additionally you need to take up an automobile liability policy.
You cannot drive without a proper insurance coverage for your vehicle. If you have an accident, State Police send information to Bureau of Motor Vehicles for insurance proof. In absence of any auto insurance, you need to have some proof of your financial responsibility. You insurance agent needs to send such information to Bureau of Motor Vehicles within forty days. If you or your agent fails to send relevant information within forty days, you stand to lose your license.

Always Carry Proof of Insurance

You need to carry proof of your Indiana auto insurance in your vehicle so you could show it to law officers whenever need arises. Besides, you need to update your residential address regularly with Bureau of Motor Vehicles.

Indiana Car Insurance

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