Auto Insurance Requirements in Indiana

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We never try to hide behind gimmicks or false promises. At Promiga Auto Insurance Quotes, we simply offer a no-obligation service that is completely free of charge. By carefully selecting a wide range of expert carriers to provide our free auto insurance quotes, our customers are able to use tactical price comparison techniques in combination with a detailed series of excellent informative articles. By completely understanding their car insurance requirements in advance, our growing army of delighted consumers can enjoy detailed coverage at affordable prices every time they use our services.

Minimum Auto Insurance Coverage Requirements

Many motorists in Indiana are already enjoying the benefits of policies purchased through our site and we consistently strive to provide detailed information that can help establish the right type of coverage required. The state of Indiana has a number of mandatory auto insurance requirements and these must be purchased before a vehicle can be used legally. All motorists must carry the following levels of coverage as an absolute minimum:

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability

Liability Coverage Explained

If you, or another motorist named on your auto insurance policy, are found to be at fault in a road traffic accident, you will be liable for any liability costs that arise as a result of your actions. If a third party is physically or fatally injured in an at-fault accident, you will be responsible for medical payments, compensation, funeral expenses, childcare or loss of earnings. By having effective auto insurance coverage in place, these costs will be taken care of on your behalf. Additionally, an at-fault motorist will also be liable for any costs that arise regarding damage to third party vehicles or property.

Auto insurance is absolutely vital for state economy. If motorists do not take preventative measures and purchase the appropriate levels of coverage, they will have to cover any liability costs themselves. In many cases, the extreme financial implications associated with bodily injury or property damage liability will be so high that a settlement will immediately become unaffordable. As well as bringing financial hardship on the at-fault motorist, the innocent third party victim will also suffer financially and when this type of scenario occurs on a regular basis, the entire financial economy for the state of Indiana can be jeopardized. Auto insurance may often seem like a mundane affair but in reality, the implications associated with a lack of coverage can be disastrous in the longer term.

Although the state of Indiana has minimum mandatory auto insurance requirements, these will not be sufficient for serious road traffic accidents where high impact collisions cause serious physical injuries and larger examples of vehicle damage. Because of this, it is highly recommended that motorists purchase additional liability coverage to the following levels:

  • $100,000 worth of bodily injury liability per person
  • $300,000 worth of bodily injury liability per accident
  • $100,000 worth of property damage liability

Although a higher level of auto insurance coverage will inevitably offer greater protection, affordability should also be a major consideration when car insurance quotes are being compared.

Auto Insurance Supplements

The minimum levels of mandatory coverage in Indiana only take liability into account and no reservations are made for injuries or damage to property sustained by an at-fault motorist. However, there are a number of excellent add-ons that can be included within most auto insurance quotes and these will help to cover personal costs that arise from bodily injuries or property damage.

Personal injury protection is, in effect, a mirror image of bodily injury liability. However, this vital policy addition covers the cost of treatment or funeral costs for the policyholder as well as loss of earnings or other expenses that can be directly attributed to an at-fault accident. This level of coverage usually extends to passengers inside the vehicle at the time of an accident and other named drivers on the policy. A starting level of $10,000 is recommended although it will always be more beneficial to obtain a higher level of coverage when you are tailoring your auto insurance quotes.

Property damage liability is equally mirrored by collision coverage. If a motorist in Indiana only purchases a basic auto insurance policy, no provisions will be made for personal repair costs in an at-fault accident. Collision coverage will compensate for all damage sustained by a vehicle and will cover the cost of any subsequent repairs. As well as including protection for road traffic accidents, collision coverage will also pay for the cost of repairs if impact is made with stationary objects such as trees, houses or fencing.

A further form of additional coverage comes in the shape of comprehensive insurance and this particular feature covers all damage costs outside of road traffic accidents. As well as paying for the cost of repairs attributed to theft and vandalism, comprehensive insurance also offers protection for if a vehicle is damaged by floods, high winds or other acts of God.  Collision coverage and comprehensive insurance should both be seriously considered as vital additions on all auto insurance quotes to the highest affordable level.

One of the biggest problems on the roads of Indiana is uninsured or underinsured motorists. If you are involved in a road traffic accident or hit-and-run incident where an uninsured or underinsured motorist is at fault, this excellent policy addition will cover the cost of your injuries and damage to your property. This level of coverage should always be purchased in line with your own liability levels and the following recommendations should be purchased as an absolute minimum:

  • $25,000 worth of uninsured or underinsured motorist coverage per person
  • $50,000 worth of uninsured or underinsured motorist coverage per accident

The Consequences of Carrying Inadequate Levels of Auto Insurance Coverage

Motorists in Indiana are expected to carry proof of auto insurance coverage inside their vehicles at all times. Most auto insurance companies will issue a small plastic card that can be kept inside the vehicle and this should be presented to law enforcement officers during routine roadside checks or to third party drivers in the immediate aftermath of an accident. Failure to produce valid evidence of auto insurance coverage will result in a report being filed with the Indiana Department of Motor Vehicles and a certificate of compliance will be sent out demanding that you either produce evidence of certification or obtain the correct levels of coverage within a 40 day period.

If proof of insurance isn’t provided in this timeframe, a license suspension of 90 days will be enforced and this will be supplemented by fines and a reinstatement fee in the region of $150. Penalties will increase on an incremental level for all future incidents and if two suspensions are issued within a three year period, a license can be revoked indefinitely.

The Benefits of Choosing a Policy through Promiga Auto Insurance Quotes

At Promiga, we provide a simple three-step system to automatically find cheap auto insurance quotes:

  • Choose from any of our top-rated auto insurance providers
  • Obtain and compare your auto insurance quotes within a matter of minutes
  • Purchase a suitable policy and enjoy saving money on your auto insurance costs

At Promiga Auto Insurance Quotes, we believe that reputation is everything and we never compromise our own outstanding record by dealing with inferior companies that supply inferior policies. Every single one of our auto insurance providers has earned a deserved A-rating and this accolade reflects the excellent standards of product and service that are typically provided with every auto insurance quotes we issue. We are able to boast partnerships with some of the leading names in the auto insurance marketplace including Progressive, AllState and State Farm.

Promiga Auto Insurance Quotes are increasingly aware of poor quality price comparison websites that take a commission from site visitors every time a policy is applied for. We are delighted to be specialists in our field and only provide free auto insurance quotes to our delighted customer base. Furthermore, we never ask for sensitive personal information before issuing quotes so your privacy and internet security concerns can be assured. The only thing Promiga Auto Insurance Quotes asks for is an Indiana ZIP code and within a few short minutes, our customers are able to choose from a detailed range of polices provided by premium quality companies offering excellent auto insurance rates and unbeatable discounts.

We have detailed articles available relating to every US state which can be reviewed before auto insurance quotes are applied for. We also offer excellent features for auto insurance markets in Australia, England, Wales, Scotland, Northern Ireland and the Republic of Ireland.

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