In the state of Indiana, it is a legal requirement for all motorists to carry an active auto insurance policy. Driving without valid insurance can result in severe penalties, financial consequences, and even loss of driving privileges. This article outlines everything you need to know about driving without insurance in Indiana.

1. Mandatory Auto Insurance Coverage

Indiana law mandates all drivers maintain a minimum level of liability insurance coverage on their vehicles. This coverage must include:

– Bodily Injury Liability: $25,000 per person and $50,000 per accident
– Property Damage Liability: $25,000 per accident
– Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
– Underinsured Motorist Bodily Injury: $50,000 per accident

2. Penalties for Driving Uninsured

Driving without insurance in Indiana is considered a Class C misdemeanor. If caught, offenders may face several penalties such as:

– Fines up to $500
– License suspension for up to 90 days on the first offense, and up to one year for subsequent convictions
– Impoundment of your vehicle
– Increased insurance premiums
– Requirements to file an SR-22 or similar financial responsibility form with the BMV for a minimum of three years

3. Reinstatement Process

To get your driving privileges reinstated after being caught driving without insurance, you’ll need to:

– Serve the suspension period imposed by the court or BMV
– Obtain proper insurance coverage and maintain it throughout the period of your SR-22 requirement
– File an SR-22 or similar form with the BMV proving your financial responsibility
– Pay any necessary reinstatement fees which can range from $150 to $300

4. Exceptions and Possible Defenses

There are some circumstances in which a driver may avoid penalties for driving without insurance:

– If you can provide proof of insurance coverage at the time of the traffic stop or accident, even if it wasn’t available during the incident
– If your insurance provider failed to notify the BMV about your coverage termination
– If you were not aware that your insurance had lapsed due to an administrative error

5. Preventative Measures

To avoid the negative consequences associated with driving without insurance in Indiana, all motorists should:

– Regularly review and update their auto insurance policies
– Carry proof of insurance in their vehicles at all times
– In case of a lapse in coverage, act quickly to reinstate their policy or find a new one

In conclusion, driving without insurance is a risky and costly decision that can negatively impact
your finances and driving privileges. To ensure you stay protected and always adhere to Indiana’s auto insurance requirements, take time to educate yourself about the legalities and consequences associated with driving uninsured.