This is your fair warning that we’re starting off with a joke—bear with us!
Knock Knock!
Hoosier?
Hoosier!
Hoosier Who?
The Hoosier State! Aka Indiana!
The Hoosier State has all kinds of drivers, from home-grown locals to visitors, to new residents, to those just passing through. No matter which group you fall into, it’s important that you understand how Indiana car insurance operates so that you feel protected while on the road.
After all, there were over 217,000 motor vehicle accidents in Indiana as of 2019. There is no doubt in our mind that car insurance was able to help each and every one of the drivers involved. So, keep reading to find out more about car insurance in Indiana, so that you don’t wind up a statistic.
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Underinsured or uninsured coverage is a type of additional coverage that drivers can have on their policy. If you get into an accident with someone who carries little to no insurance, your insurance company can help with the costs that the other driver’s policy should have covered.
While some states include uninsured/underinsured motorist coverage in their legal minimum, the state of Indiana does not.
According to Indiana law, all insurers must offer uninsured/underinsured motorist coverage, but you are legally able to opt out of this coverage in writing, should you choose to do so.
When you hear the term “full coverage policy,” this means that your auto insurance plan will have three kinds of coverage:
Not only do most insurance experts recommend you carry full coverage insurance to be protected in a variety of circumstances, but you may actually be required to do so in certain cases.
While the law only enforces that you carry the legal minimum, leased or financed vehicles usually require a full coverage policy. Naturally, the loaners don’t want to be left hanging should anything happen to the vehicle you have on loan or are financing.
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Now that you have a better idea of the coverage you need and the costs you can expect to pay, it’s time to start gathering quotes. After all, the open road is waiting!
Start by getting access to free quotes here, so that you can compare coverage and costs to make the right decision for your driving needs.
We’ve got you covered.
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Jessica Fox Jessica Fox has been a freelance writer for five years, with a specialty in health, wellness, and insurance. During this time, she’s written for some of the biggest B2B and B2C brands from around the world. Jessica is also the mother of two young daughters and loves coffee, writing, and working out.
