Indiana is not especially lenient when it comes to their regulations regarding the maintenance of car insurance on your vehicle. Perhaps, because motorsports are such a huge interest in this state, the fines and penalties for not having the required insurance are real attention getters. Indiana is the home of the Indianapolis 500, a car race that is loved and followed by millions.
Not maintaining proper car insurance in Indiana is considered an infraction, which means that there is no jail time if you are found to broken the rules surrounding this requirement. The fines however are nothing to sneeze at, as they can set you back up to $10,000.
If you are detected without the proper Indiana car insurance coverage you will have your registration suspended as well as your driver’s license for 90 days the first time. Repeated offenses will find you in the same boat with an extended sentence, 1 year suspension. That is a very long time to go without a driver’s license.
When your time is up and you want to get your privilege back, you will have to pay a reinstatement fee of $150 for the first offense. If you have done this more than once than you will pay $225 for the second offense and $300 for each subsequent infraction after that.
There really is no reason for this as the requirements are not extensive. The bodily injury requirement is $25,000 for each person injured and $50,000 for everyone in the same accident. The property damage coverage is a moderate $10,000 per accident. You will see this displayed on your quote and policy as 25/50/10.
As you can see, this is not a large amount and the premium for this type of coverage is not cost prohibitive. Make sure you look around though, when you go shopping for insurance so you get the best deal you can for what you are buying. Also, these are the minimums it may behoove you to purchase more insurance than this so that you minimize the amount of money you personally have to spend to cover the expenses of an accident you are involved in.
Also, consider getting uninsured/underinsured coverage as well. In Indiana, when you purchase new coverage this is required to automatically be attached to the policy you are securing. You can refuse it. The minimum that must be attached to your policy is $10,000 in uninsured motorist protection, and $50,000 in underinsured motorist protection. An underinsured motorist is one that does not have enough coverage on their policy to pay for all the expenses of the accident, uninsured motorists protects you in case you are hit by someone who has neglected to get insurance. The fines and sanctions are not going to help you get your expenses paid if they do not have insurance.