Auto Coverage in Indiana
Indiana Auto Insurance
Indiana drivers need to have insurance to drive, but the state differs from other states in that drivers don't always have to carry insurance with them at all times in their vehicles. However, if they are pulled over by a traffic officer, they can receive a citation if they can't show insurance ; in order to have the citation revoked, they will have to take proof of insurance to a court date.
If there's a crash, the Bureau of Motor Vehicles will request proof of insurance and drivers have 45 days to show that they had insurance at the time of the accident or face suspension.
Minimum Indiana auto insurance
The minimum insurance that you need to have in Indiana are in the following amounts:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $10,000
Indiana premiums for health insurance are also among the lowest prices in the country.
Penalties without Indiana auto insurance
If drivers can't show they had insurance after an accident, their driving privilege can be suspended for 90 days, with a fee of $150 for the first offense, $225 for the second, and up to $300 for the third.
Drivers are also responsible for financial responsibility if they are at fault in an accident. And in Indiana, since it's a tort state, one of the drivers must be found at fault in the accident. The at-fault driver will be held liable for all the damages from the accident. So, it's important to have enough insurance coverage to cover the costs for any vehicle repairs or medical bills.
Drivers that falsify insurance documents can also face administrative hearings and suspension of their driver license.