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Am I required to carry auto insurance in Indiana?
by Larry LubellYes!
Driving without car insurance not only puts your assets in jeopardy, but it also illegal and can leave you subject to fines. A motorist who operates a vehicle without an automobile liability insurance policy is subject to a 90-day driver license suspension or a one-year suspension if it is a repeat violation within a three-year period. In order to obtain a reinstatement of the license, the motorist must pay a reinstatement fee of $150, $225, or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company.
SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required “Certificate of compliance” of proper insurance coverage. When a motorist receives a “Certificate of compliance notice”, he (or she) must find an insurance agency that is equipped to issue the needed SR-22 insurance, and to file the certificate to the BMV within 40 days. Failure to return the “Certificate of compliance” to the Indiana Secretary of State’s office, as required will result in a license suspension.
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