Bodily Injury Requirements in Indiana
In Indiana, you're required by law to carry the state minimum liability limits. Auto coverages should be at least $25,000 per person and $50,000 per accident in bodily injury liability. Bodily injury liability pays for the medical expenses of another party when you're at fault for an accident.
Although you're only mandated to have the state minimums when it comes to auto coverage, most opt for a more robust policy. There are several options when selecting your bodily injury liability limits and they can be reviewed with a local expert.
Property Damage Requirements in Indiana
Property damage liability will help pay for another driver's damaged vehicle or property when you're at fault for an accident. You'll be required to carry the minimum limits of $25,000 in property damage liability in Indiana.
You'll be hard-pressed to find a car that is under $25,000 these days. If your Indiana car insurance policy only has the state minimum limits of coverage, you could find yourself paying out of pocket for a loss.
Medical Payments Coverage Requirements in Indiana
Each state has their own guidelines when it comes to car insurance. In Indiana, you are not required to carry personal injury protection, which pays for your medical expenses when you're injured in an at-fault accident.
Instead, you'll have the option of obtaining medical payments coverage. Medical payments insurance can be added to your auto policy to help pay for your medical bills when you're involved in an accident.
Uninsured Motorist Coverage in Indiana
Uninsured motorist coverage helps pay for your injury or property damage if you get into an accident with an uninsured driver. Some states make this protection mandatory and part of their minimum liability requirements.
In Indiana, 16.7% of the driving force is uninsured, which puts you and your family at risk while on the road. You won't be required by law to carry uninsured motorist coverage in Indiana. However, it's necessary to have proper protection.
Optional Car Coverage in Indiana
All car insurance policies will come with optional coverages. Collision insurance and comprehensive insurance are two common choices when selecting limits of protection under your auto policy. Each pays for damage to your vehicle when a collision has occurred.
Another coverage that you may want to consider is roadside assistance if you get stranded and need a tow. Rental car coverage is also good to have and helps pay for a replacement vehicle needed due to a covered claim.
Car Insurance Discounts to Consider in Indiana
In Indiana, you can obtain a discount on insurance when you're aware of what's available. Probably the most used is the multiple policy discount when you have more than one policy with the same carrier. A savings of 30% or more is common.
If you're part of an association such as a teachers union, attorney group, and others, a discount may apply. And if you've been a loyal customer with the same insurance company for 3 years or more, you may qualify for a loyalty discount.
How to File a Car Insurance Claim in Indiana
If you're involved in a car accident and need to file a claim, it can be difficult to remember what to do in the moment. Take a look at these 4 simple steps to follow when filing a car insurance claim in Indiana.
First, ensure all parties are safe and any injuries are tended to immediately. Second, you'll want to call your independent insurance agent to file the claim. Third, obtain a replacement vehicle if needed and get your claims number from your agent. Last, schedule a meeting with your adjuster to go over the damage and collect payment.