As an Indiana resident, you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these potential expenses, and is compulsory in Indiana.
Indiana minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $10,000 for damage you cause to the other party's property. Consider buying medical payments, blanket umbrella, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
If you are convicted of DUI in Indiana (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to go the Indiana Automobile Insurance Plan. It was created in 1948 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Any insurance agent holding a valid license to transact automobile insurance business in the state of Indiana may write business through the AIP.
Below (again) are the minimal limits.
Proof of insurance is required when you register the vehicle and at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Your insurer must also verify financial responsibility or insurance after an accident or arrest. Penalties for driving without insurance in Indiana are a 1-year license and/or registration suspension and a $150 reinstatement fee.
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