May 13, 2021 | Car Accidents
Most people understand that they have to have a current driver’s license and insurance in order to operate a vehicle in the state of Indiana. However, there are times when individuals choose to operate without insurance. Individuals could face significant penalties for driving without insurance, including major fines, license suspension, and the requirement to obtain more costly insurance coverages moving forward.
In the state of Indiana, all drivers are required to carry insurance to remain legal on the roadway. This is not up for debate; it is just simply a fact. In Indiana, drivers are required to have the following coverage as part of their auto insurance policy:
We can see that the state of Indiana does require drivers to carry uninsured motorist bodily injury coverage. Other states around the country make this optional, but not Indiana. However, Indiana does not require drivers to carry uninsured motorist property damage coverage or underinsured motorist bodily injury coverage. These can be rejected when a person obtains their policy.
All drivers have to maintain insurance in the state of Indiana to remain legal. Drivers have to provide proof of financial responsibility through a certificate of compliance (COC). If a person receives a request to provide a certificate of compliance, the insurance carrier has to submit the certificate proving that they currently have or had proper coverage at the time of the request.
If a COC is not submitted within 40 days from the request, the person’s driver’s license will be suspended until the COC is presented. The suspension will be removed from a person’s record after the insurance provider shows that the vehicle was covered at the time in question. If a person fails to possess appropriate insurance coverage, this could result in a license suspension for an entire year.
If a person is convicted of driving without insurance in Indiana, they will face a range of consequences. This includes the following:
If you’ve been seriously injured by an uninsured motorist, contact an Indianapolis uninsured motorist attorney today.