Uninsured drivers in Indiana
A recent report from the Insurance Research Council estimated that 16 percent of Indiana drivers were uninsured as of 2009, which was above the national average of 13.8 percent.
Uninsured and underinsured liability coverages offer financial protection against drivers without enough insurance (or any at all) if they cause an accident and cause injury to you and your passengers or damage your vehicle.
Driving without liability insurance
If you're caught driving without insurance in Indiana, your license will be suspended for at least 90 days. Two or more of these license suspensions within a 3-year period will mean an additional one-year suspension.
Uninsured motorist database
If you're convicted of driving without insurance, your name will be in the Previously Uninsured Motorist Registry (PUMR) for 5 years. Once you're in the PUMR, the state of Indiana may request that you provide proof of financial responsibility at any time through random questionnaires.
Alternative insurance options
If you're having a hard time finding affordable car insurance, the Indiana Auto Insurance Plan may be an option. All licensed insurance companies in Indiana are required to take a certain percentage of drivers who are unable to find coverage through typical channels.
A licensed Indiana car insurance agent can help you apply to the program.