For additional offenses, the length of your revoked license increases, and so does your reinstatement fee. For your first offense, this fee is usually $250. Some insurers may even deny you coverage if you have an SR-22.Įach time your driving privileges are revoked, you must pay a reinstatement fee.

Although the processing fee for an SR-22 isn’t usually expensive, car insurance companies may add surcharges to your policy for needing one. You need this document to reinstate your driving privileges after you are caught without the proper coverage. SR-22 insurance is a document that your insurance company sends Indiana, which lets the state know that you have an active policy that meets the state’s requirements.

You also may have to carry SR-22 insurance from that point forward.

For your first violation of these requirements, the state may suspend your driving privileges. If you fail to meet Indiana’s motor vehicle financial responsibility laws, you may face multiple penalties. What Are the Penalties for Driving Without Car Insurance in Indiana? Once your limit runs out, you are financially responsible for damages, so extensive coverage can protect you in cases where severe damages occur. You may want to consider additional coverage in the case of a serious accident. These minimums ensure that you have enough coverage for property damage and medical bills for everyone involved in the accident. All drivers must carry a policy that has at least $25,000 for bodily injury or death of one person, $50,000 for total bodily injury or death liability, and $25,000 for property damage in the event of an accident caused by the driver of the insured vehicle. Indiana has set minimums for liability car insurance coverage. Your insurance can cover these damages in the event of a crash within the limits of your policy.

Most drivers protect themselves from these financial responsibilities by getting car insurance coverage. These damages can include injuries, vehicle damage, lost income, and anything else related to the accident. Indiana state law says that drivers who are at fault for an accident are financially responsible for any damages. If you were to ever get in an accident, would you know what to do? What about if you got in a collision with an uninsured driver? Before getting on the road again, make sure you know the Indiana laws that address these scenarios. This is especially true during harsh Indiana winters when the roads get slippery. If you live in the Hammond, Gary, Portage, Merrillville, Calumet City, Michigan City, Lake Station, Hobart, and Chesterton areas and regularly travel on I-94 or I-80, you may notice quite a few accidents during your travels.

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