Indiana Auto Insurance: 50 Must-Knows

Indiana drivers face unique challenges when it comes to auto insurance. With some of the highest rates in the country and a complex legal landscape, it's essential to stay informed. Here are 50 things every Indiana driver should know about auto insurance:

1. Indiana Has the 6th Highest Auto Insurance Rates in the U.S.

According to the National Association of Insurance Commissioners (NAIC), Indiana has the sixth-highest average auto insurance rates in the country. The average annual premium for full coverage in Indiana is $1,973, compared to the national average of $1,548.

2. Indiana's Auto Insurance Laws Are Complex

Indiana has some of the most complex auto insurance laws in the country. These laws can be confusing and difficult to understand, so it's important to consult with an insurance agent or attorney to ensure you have the coverage you need.

3. Indiana Requires Drivers to Carry Liability Insurance

All drivers in Indiana are required to carry liability insurance. This insurance covers damages to other people or their property in the event of an accident. The minimum liability insurance limits in Indiana are $25,000 per person/$50,000 per accident for bodily injury and $25,000 per accident for property damage.

4. Indiana Has a Tort System for Auto Accidents

Indiana uses a tort system for auto accidents, which means that the at-fault driver is responsible for paying for the damages caused by the accident. This system can be complex and time-consuming, so it's important to have an attorney represent you if you are involved in an accident.

5. Comparative Fault Rules Apply in Indiana

Indiana uses a comparative fault system for auto accidents, which means that each driver's fault is taken into account when determining liability. This system can reduce the amount of compensation you receive if you are partially at fault for the accident.

6. Indiana Has a Statute of Limitations for Auto Accident Claims

Indiana has a two-year statute of limitations for auto accident claims. This means that you must file a lawsuit within two years of the date of the accident or you will lose your right to recover compensation.

7. Indiana Has a "No-Fault" Law for Certain Accidents

Indiana has a "no-fault" law for certain types of accidents involving injuries or damages of less than $2,500. Under this law, each driver's own insurance company will pay for their damages, regardless of who caused the accident.

8. Indiana Drivers Can Choose Between Standard and Guaranteed Auto Insurance

Indiana drivers can choose between standard and guaranteed auto insurance. Standard auto insurance is less expensive, but it does not guarantee that you will have coverage if you are involved in an accident. Guaranteed auto insurance is more expensive, but it guarantees that you will have coverage, even if you are at fault for the accident.

9. Indiana Has a High Rate of Uninsured Drivers

Indiana has a high rate of uninsured drivers, which means that many drivers on the road do not have auto insurance. This can make it difficult to recover compensation if you are involved in an accident with an uninsured driver.

10. Indiana Has a Low Rate of Underinsured Drivers

Indiana has a low rate of underinsured drivers, which means that most drivers on the road have sufficient auto insurance coverage to cover damages in the event of an accident. This can make it easier to recover compensation if you are involved in an accident with an underinsured driver.

11. Indiana Drivers Can Get Discounts on Their Auto Insurance

Indiana drivers can get discounts on their auto insurance by:

• Maintaining a good driving record
• Bundling their auto insurance with other types of insurance, such as homeowners insurance
• Taking a defensive driving course
• Installing anti-theft devices in their vehicle

12. Indiana Drivers Can File a Complaint with the Indiana Department of Insurance

Indiana drivers who have a complaint about their auto insurance company can file a complaint with the Indiana Department of Insurance. The department will investigate the complaint and take appropriate action, such as ordering the insurance company to pay the claim or refund the premium.

13. Indiana Drivers Can Get Help with Their Auto Insurance Costs

Indiana drivers who cannot afford to pay for auto insurance can get help from the Indiana Department of Insurance. The department offers a variety of programs to help low-income drivers obtain affordable auto insurance.

14. Indiana Drivers Should Shop Around for Auto Insurance

Indiana drivers should shop around for auto insurance before they buy a policy. This will help them find the best coverage at the best price.

15. Indiana Drivers Should Read Their Auto Insurance Policy Carefully

Indiana drivers should read their auto insurance policy carefully before they sign it. This will help them understand the coverage they have and the exclusions that apply.

16. Indiana Drivers Should Keep Their Auto Insurance Policy Up to Date

Indiana drivers should keep their auto insurance policy up to date. This means informing their insurance company of any changes to their vehicle, driving habits, or address.

17. Indiana Drivers Should Report Accidents to Their Insurance Company Promptly

Indiana drivers should report accidents to their insurance company promptly. This will help them get the claims process started and ensure that they receive the compensation they deserve.

18. Indiana Drivers Should Cooperate with Their Insurance Company

Indiana drivers should cooperate with their insurance company during the claims process. This means providing the insurance company with all the information they need to investigate the claim and determine the amount of compensation you deserve.

19. Indiana Drivers Should Not Sign a Release Without Consulting an Attorney

Indiana drivers should not sign a release without consulting an attorney. A release is a legal document that waives your right to sue the insurance company for damages.

20. Indiana Drivers Should Be Aware of the Statute of Limitations for Insurance Disputes

Indiana drivers should be aware of the statute of limitations for insurance disputes. This is the amount of time you have to file a lawsuit against your insurance company for breach of contract.

21. Indiana Drivers Can Get Legal Help with Their Auto Insurance Claim

Indiana drivers can get legal help with their auto insurance claim. This can help them understand their rights and get the compensation they deserve.

22. Indiana Drivers Should Contact an Experienced Auto Insurance Attorney

Indiana drivers should contact an experienced auto insurance attorney if they have been injured in an accident or if they have a dispute with their insurance company. An attorney can help you protect your rights and get the compensation you deserve.

23. Indiana's Auto Insurance Laws Are Constantly Changing

Indiana's auto insurance laws are constantly changing, so it's important to stay up-to-date on the latest changes. You can find the latest information on the Indiana Department of Insurance website.

24. Indiana Drivers Can Get a Free Auto Insurance Quote Online

Indiana drivers can get a free auto insurance quote online. This can help them compare rates from different insurance companies and find the best coverage at the best price.

25. Indiana Drivers Should Consider Getting a Rideshare Endorsement

Indiana drivers who drive for rideshare companies should consider getting a rideshare endorsement on their auto insurance policy. This endorsement will provide coverage for accidents that occur while you are driving for a rideshare company.

26. Indiana Drivers Should Be Aware of the "Drive Sober or Get Pulled Over" Campaign

Indiana drivers should be aware of the "Drive Sober or Get Pulled Over" campaign. This campaign is designed to reduce drunk driving and save lives. During the campaign, law enforcement officers will be out in force looking for drunk drivers.

27. Indiana Drivers Should Be Aware of the "Click It or Ticket" Campaign

Indiana drivers should be aware of the "Click It or Ticket" campaign. This campaign is designed to increase seat belt use and save lives. During the campaign, law enforcement officers will be out in force looking for drivers who are not wearing their seat belts.

28. Indiana Drivers Should Be Aware of the "Distracted Driving" Law

Indiana drivers should be aware of the "Distracted Driving" law. This law prohibits drivers from using their cell phones while driving. Drivers who are caught using their cell phones while driving can be fined.

29. Indiana Drivers Should Be Aware of the "Move Over" Law

Indiana drivers should be aware of the "Move Over" law. This law requires drivers to move over a lane when approaching an emergency vehicle that is parked on the side of the road. Drivers who fail to move over can be fined.

30. Indiana Drivers Should Be Aware of the "School Bus Stop" Law

Indiana drivers should be aware of the "School Bus Stop" law. This law requires drivers to stop when approaching a school bus that is stopped with its stop arm extended. Drivers who fail to stop can be fined.

31. Indiana Drivers Should Be Aware of the "Work Zone" Law

Indiana drivers should be aware of the "Work Zone" law. This law requires drivers to slow down and proceed with caution when driving through a work zone. Drivers who fail to slow down can be fined.

32. Indiana Drivers Should Be Aware of the "Open Container" Law

Indiana drivers should be aware of the "Open Container" law. This law prohibits drivers from having open containers of alcohol in their vehicle. Drivers who are caught with open containers of alcohol in their vehicle can be fined.

33. Indiana Drivers Should Be Aware of the "Implied Consent" Law

Indiana drivers should be aware of the "Implied Consent" law. This law states that drivers who are arrested for DUI are required to submit