• Indiana law requires drivers to purchase car insurance.luxury car - model toy car image by alma_sacra from Fotolia.com
  
  Like most states, it's illegal to drive without insurance in Indiana. Before taking off in your car, you should be familiar with the insurance laws in the state. Doing so can keep you from losing your driving privileges. Indiana state code requires that all drivers who register a vehicle and operate one on a public road must meet the minimum standards of financial responsibility. In other words, Indiana motorists must have valid car insurance.
  
  

Car Insurance Policies

• Car insurance coverage has either one or two dollar amounts that appear on the policy. For example, in bodily injury cases, if there are two amounts listed, the first number is the maximum amount of coverage provided if only one person is injured in an accident. The second amount is the maximum amount of coverage provided if several injuries occur as a result of the accident. Some individuals have trouble obtaining proper car insurance coverage. For instance, insurance companies all over the country often deny coverage to high risk drivers or charge them very high premiums. High risk drivers are those who have received multiple traffic tickets, been convicted of driving under the influence (DUI) or involved in several accidents. The Indiana Auto Insurance Plan mandates that every licensed insurance company is required to accept policyholders. This program helps those who need assistance in finding an insurance agency and acquiring insurance in Indiana.
  
  

Property Damage Protection

• In Indiana, the minimum coverage amount for property damage is $10,000. This covers damage to another person's car or property.
  
  

Bodily Injury Coverage

• Indiana law requires motorists to carry between $25,000 and $50,000 in minimum coverage for bodily injury or death of two or more in a single accident. This insurance covers injuries caused by the at-fault driver in an accident. Typically, the driver under the representation of a lawyer will file a claim against the at-fault driver's insurance policy. The lawyer will try to negotiate a settlement with a claims adjuster to cover loss and damages as a result of the accident.
  
  

Uninsured and Underinsured Motorist Coverage

• In the state of Indiana, uninsured and underinsured insurance coverage protects motorists who get into an accident with an uninsured driver or a driver who doesn't carry the sufficient amount of car insurance. Indiana residents are required to carry these two types of insurance, unless the driver refuses this coverage in writing. It's a smart move to purchase this type of insurance coverage because it's estimated that one in five Indiana drivers is uninsured.
  
  

Penalties

• Indiana motorists who drive without car insurance will have their license and registration suspended immediately. The suspension will be up to 90 days for a first offense. Drivers who violate this law more than once in a three-year period will have their license suspended for a year and will have to pay a reinstatement fee to get their driver's license or registration returned. The reinstatement fee ranges from $150 to $300 depending on how many total violations have occurred.