Auto Insurance Indiana
If you are looking for auto insurance Indiana information, you are in the right place. In Indiana the tort system is applied. This means that a person and their insurance company will be responsible for any damage caused by an accident, if the respective person is at fault for producing it.
What Is The Liability For Bodily Injury?
- $25,000 in the case of death / injury of one person / one accident
- $50,000 in the case of all persons, in any one accident
What Is The Liability for Property Damage?
- $10,000 per one accident
To note, such basic coverage is also sometimes called 25/50/10 coverage.
What Is Legally Required in Order To Get An Indiana Auto Insurance?
In order to satisfy the financial Responsibility Law of Indiana, you need to follow the 25,000/50,000/10,000 minimum amounts of liability insurance coverage. Please see the questions above for the detailed explanation of what each amount accounts for.
What does “Uninsured or Underinsured Motorist” coverage mean?
This refers to the protection an auto policy can provide against damage of property and/or bodily injury that results from the action of an uninsured and/or underinsured motorist.
Does the Insurance I.D. Card hold any importance in Indiana?
It certainly does. In the State of Indiana:
- You must show your insurance I.D. card to police officers that stop you for safety checks or traffic violations.
- If you are involved in an accident or if you got a ticket and are cited to court, you also need to carry the card with you.
- You will also need documentary proof of Financial Responsibility when you register a vehicle.
What Are The Penalties In Case Of Not Observing The Indiana Legal Requirements?
- Driver License Suspension. The standard suspension term is ninety days, but if this is a repeated violation within a three year term, then the suspension is for one year.
- License Reinstatement. If you would like to reinstate your license, there is a fee of $150 or $225 or $300. The fee level applicable to you depends on weather this is the first, second, third or subsequent offence. On top, you need to present insurance proof.
What Is SR-21?
SR-21 is also called Certificate of Compliance and it is a form filed by your auto liability insurance agent in the case of a traffic violation or accident. Its role is to certify that you met the requirements of Financial Responsibility at the time of the respective violation or accident.
What Is SR-22?
SR-22 is a Financial Responsibility future proof certification, issued by your auto insurance company to the BMV, i.e. Indiana Bureau of Motor Vehicles. Its role is to prove that you purchased liability insurance.
What are the Indiana DUI Laws?
Indiana DUI laws are among the toughest in U.S. and they are strictly enforced.
What Are The Most Stolen Cars In Indiana?
Please see here the most stolen cars in Indiana.
Can You Point Me To Additional Indiana Car Insurance Resources?
Sure. You can visit Indiana Bureau of Motor Vehicles and here is a list of additional Indiana Auto Insurance Resources.
Visit this link if you are interested in tips on choosing an auto insurance company http://autoinsuranceindiana.org/how-to-choose-an-auto-insurance-company/.
Where Can I Find Safe Driving Tips?
You can find safe driving tips here: http://en.wikipedia.org/wiki/Defensive_driving.
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