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In Indiana, driving without vehicle insurance is against the law. Car insurance is necessary and mandatory to obtain and renew registration or to renew your license plate.

Indiana follows the 25/50/10 auto insurance liability coverage. This means that your car insurance should comply with the minimum state requirements which are as follows: At least $25,000 liability coverage to provide for bodily injury to one person per accident; at least $50,000 liabiliaty coverage for bodily injuries of two or more persons per accident; and at least $10,000 liability coverage for property damage resulting from the accident.

In addition to liability requirements, the state of Indiana also requires a minimum insurance coverage against uninsured and underinsured motorists. This auto insurance provision ensures you from financial losses when accidents involving an underinsured or uninsured motorist occur. Minimum coverage are as follows:

$25,000 coverage for an accident where only 1 person is injured

$50,000 for accidents that caused injury to two or more uninsured motorist

$50,000 coverage for bodily injury on underinsured motorist

$10,000 coverage for property damage

Unless you wish to be exempted from this coverage, most new car insurance policies include this provision. It is relatively cheap consider how it is a valid risk. If you are thinking about skipping this, it may not be a good place to skimp on. Once caught driving a vehicle without insurance in Indiana, the driver is bound to receive Calss A infraction. As a consequence, vaious sanctions are imposed to those who violate this law. Sanctions can be in a form of a 90-day drivers license suspension for first-time offenders, and up to one year for repeat violation. A reinstatement fee of $150, $250 or $300 will be imposed for first, second and subesquent offenses. Along with the reinstatement fee, the driver must provide a current proof of insurance which is duly signed by a representative of the insurance company, or an insurance agent.

Note though that the minimum liability coverage policy for injuries or property damage may not be enough to comprehensively protect you from financial burden should you encounter accidents. It is safer to go for a better coverage to ensure that you are fully protected. In addition to the required coverage, you may want to include the following provisions:

Medical Payments. The company will pay for medical bills you or your family incurred while riding in, getting in and out of the car.

Collision Coverage. This protects your car from damage when a collision happens.

Comprehensive Coverage. The insurance provider will pay for damages onto your car caused by perils such as fire, theft, glass breakage, windstorm, and other related incidents.

Other Coverage. Towing provisions and car rental may be available through your local insurance company.