What Indiana Requires for Auto Insurance and How to Meet the Law

Indiana's Minimum Coverage Requirements

Indiana mandates a minimum of $25,000 for bodily injury liability per person, $50,000 per accident, and $25,000 for property damage liability. These figures are the floor; many drivers opt for higher limits to safeguard against costly lawsuits.

Optional but Advisable Coverage

While the state does not require it, uninsured/underinsured motorist coverage, collision, and comprehensive are smart additions. Uninsured motorist limits are typically set equal to bodily injury limits, ensuring you are protected if the other driver lacks coverage.

Choosing a Policy That Meets the Law

Start by evaluating your risk tolerance. Higher liability limits increase premiums but reduce out‑of‑pocket exposure. Consider bundling auto with homeowners or renters insurance for discounts. Always verify the insurer's financial stability and claim handling reputation.

Common Pitfalls and How to Avoid Them

Many drivers forget to update their policy after a claim or a change in driving habits. After any incident, contact your insurer promptly. Also, remember that the law requires proof of insurance at every checkpoint—keep your physical card or a digital copy accessible.

How to File a Claim in Indiana

Report the incident to your insurer within 24 hours. Provide all relevant details: police report, photos, and witness statements. Indiana law requires insurers to acknowledge the claim within 10 business days and settle or provide a reasonable estimate within 30 days.

State Resources and Consumer Protection

The Indiana Department of Insurance offers a consumer portal for filing complaints and verifying coverage. If you suspect an insurer is not complying with the state's minimum coverage requirements, file a complaint through the department's online system.