OUT OF STATE COVERAGE
When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.
Indiana Car Insurance Laws
|The minimum amount of liability insurance required in Indiana is as follows:|
|$20,000/$40,000 for bodily Injury|
$15,000 for property damage
Automobile liability insurance is generally defined as coverage for bodily injury you cause to another person or for property damage you cause to another person’s property through negligent use of your vehicle. In Indiana you are required to carry $25,000/$50,000 in bodily injury protection and $10,000 in property damage.
Be aware that the liability coverage required by law covers only damage the policy holder does to others. To pay for damages to your car, you will need to purchase collision insurance or comprehensive insurance for damage to your vehicle from other causes.
Uninsured/Under insured Motorist Coverage is not mandatory in the state of Indiana. Drivers have the right to waive this coverage, but it is highly recommended that you carry it.
Indiana motorists are required to provide proof of insurance when they are involved in any of these situations. The proof must be electronically submitted to the BMV by the motorist’s insurance provider.
An auto accident resulting in injury, death, or property damage in excess of $1,000.
A traffic ticket within one year of receiving two other traffic tickets.
A serious traffic violation such as a misdemeanor or felony.
Any traffic violation by a driver who was previously suspended for failing to provide proof of financial responsibility.
When a motorist's driver's license is suspended after conviction of a major offense, such as Operating While Intoxicated or Leaving the Scene of an Accident, the driver must have his or her insurance provider electronically submit an SR-22 Proof Of Insurance form to the Bureau of Motor Vehicles (BMV) before his or her driving privileges can be reinstated. The BMV will notify the motorist when an SR-22 form must be filed.
A valid SR-22 form must be filed with the BMV for three years after the end of the suspension for the major offense. If the BMV receives an insurance cancellation notice or does not have a current SR-22 on file at any time during the three-year period after reinstatement, the motorist’s driving privileges will again be suspended.
You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.