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General Indiana Insurance Guidelines
Indiana currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Indiana drivers are required to show their insurance info when involved in an accident. If the insurance company doesn't provide proof after the accident, the driver has 40 days to have an agent complete and submit a certificate to the BMV.
Minimum Liability Coverage in Indiana
Indiana's minimum liability amounts are as follows:
- $25,000 bodily injury per person.
- $50,000 total bodily injury per accident.
- $10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Indiana requires UM/UIM coverage. The minimum UM/UIM coverage amounts for Indiana are $50,000 minimum.
Some states have “No-Fault” laws where a policyholder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Indiana is not a “No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Indiana does not require drivers to purchase PIP insurance.
SR-22 Requirements for Indiana
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Indiana requires an SR-22 filing for driver’s license reinstatement.
Indiana DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver's licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Indiana are:
- 30–60 days imprisonment or up to 1 year if BAC is greater than or equal to 0.15%
- Up to $500 or up to $5000 if BAC is greater than or equal to 0.15%
- Up to 2-year license suspension
- Possible installation of an ignition interlock device
- Possible community service
- Possible attendance of a Victim Impact Panel
- Possible substance abuse education
- Possible urine testing
Additional Information on Insurance for Indiana
For more information, please contact Indiana Department of Insurance: 1-800-622-4461 or visit their website at www.in.gov/idoi/.
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