Penalties for Driving Without Insurance in Indiana
| type of Offense | License and/or Registration Suspended ? | jail Time ? | SR-22 Required ? | Maximum Fines & Fees |
| No Proof of Insurance ( Can Prove Coverage ) | Yes, license | No | No | $ 250 |
| 1st Offense With No Coverage | Yes, license | No | Yes | $ 250 |
| duplicate Offense ( No Coverage ) | Yes | astir to $ 1,000 |
Not having car insurance and not being able to prove that you have it are two different violations. If you have policy but can not prove it when you get pulled over or at the scene of an accident, you are guilty of an “ administrative irreverence, ” similar to a seat-belt tag. on or before your woo date. Driving without car insurance at all is a lot more dangerous, and the penalties are more severe. In addition to the legal consequences, you can besides expect your car indemnity premium to go up. A single conviction for driving without indemnity raises annual premiums by an average of 11 %, or $ 111, in Indiana .
What happens if you get into a cable car accident without policy in Indiana ?
If you get into an accident while driving without indemnity in Indiana, you will be cited and all the penalties for driving without policy will apply, no matter who is at fault. Driving uninsured can make it unmanageable to be compensated for damages if you are not at fault and can have durable and life-changing consequences if you are at demerit. If the accident is your demerit, you ’ ll have to pay for all the damages out of your own pocket. In addition to the legal consequences for driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damage to your vehicle, the other driver ’ south repair and hospital bills, and your own aesculapian worry. Both the early driver and their indemnity company can sue you and have future wages and savings garnished to pay for damages. You could face mounting debt or even bankruptcy, specially if the other driver doesn ’ triiodothyronine carry uninsured motorist coverage or personal wound protection. even if the accident is not your defect, driving without policy leaves you vulnerable to expensive hospital and rectify bills. Indiana is an at-fault country. In at-fault states, the other driver is normally creditworthy for wrong to your car and any medical treatment you may need—assuming the other driver is found completely at-fault. Indiana uses a modified comparative negligence system, which means you may not be able to recover all the costs associated with the accident if you are found partially creditworthy for causing it. Driving uninsured doesn ’ metric ton negate the other driver ’ s fault wholly, but you ’ re about surely going to be penalized and unable to recover everything you would be entitled to if you had insurance .
You can get car policy in Indiana, flush if you are…
Uninsured: Unless you ’ re a newly licensed driver, having a history of driving without insurance or lapses in coverage is a risk to insurers. To insurance companies, it ’ randomness alike to a bad drive read, which is why drivers who let their policy elapse for 60 days pay about 16 % more than the average bounty in Indiana. USAA, State Farm, Nationwide, and Geico tend to have the lowest rates for drivers who want to regain coverage.
Driving someone else’s car: It ’ s not illegal to drive person else ’ s cable car if you do not have policy, but non-owner car insurance can protect you if you don ’ t have a car but placid drive regularly. If you borrow a car from person populate in your own home plate, you should be listed on the car owner ’ south policy. But you may want to explore non-owner coverage if you need to reinstate a driver ’ s license, you rent or borrow cars frequently, or you want to maintain continuous car coverage between vehicles. Geico, State Farm, Nationwide, and The General good places to shop if you need non-driver car indemnity.
High-Risk: If you ’ re a bad driver who has been denied coverage from traditional indemnity companies, check out Indiana ’ south assigned risk program. Whether you require an assign gamble plan or calm qualify for bad policy from ceremonious providers, you ’ ll pay more. In Indiana, drivers with just two speeding tickets pay an modal of 28 % more on their annual car policy premiums, for exercise. Depending on your drive record and the seriousness of your infractions, you could pay even more. still, even though rates may be higher, at least you can drive legally and avoid more penalties .
Final examination Thoughts : How to avoid driving without insurance in Indiana
To avoid the penalties of driving without indemnity, shop around for at least $ 25,000 in bodily injury indebtedness coverage, up to $ 50,000 per accident, along with $ 25,000 in indebtedness coverage for property damage In Indiana, you can find basic indebtedness car insurance for around $ 464 per year if you have a clean drive record. The consequences of driving without insurance are ultimately more dearly-won than purchasing minimum car policy coverage. No matter what your alone needs are, the best way to get accurate quotes and the best prices is to comparison workshop .