Indiana SR22 Insurance
SR22 Insurance in Indiana
SR-22 is a document registered with the state of Indiana that verifies that an individual has automobile insurance. SR stands for “safety responsibility.” An SR22 in Indiana is required when a driver reinstates his or her license after being previously convicted of a DUI, driving without insurance, reckless driving, or any other violation that results in a suspension.
Typically, Indiana SR22 forms are required for a certain amount of time following a driving-related conviction. Indiana drivers are usually required to hold an SR22 for 3 years following their first or second insurance suspension. After your third or subsequent insurance suspension, you will be required to carry SR-22 insurance for five years.
An SR-22 form filing offers Indiana drivers legal proof of insurance coverage by demonstrating that they carry the minimum liability insurance coverage requirements in Indiana mandated by state law.
Indiana’s liability car insurance coverage requirements are:
- Bodily injury liability: $25,000 per person / $50,000 per accident
- Property damage liability: $25,000 per accident
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
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The following are some of the circumstances in which Indiana requires a driver to have proof of insurance coverage with an SR-22 filing.
- Any auto accident for which an accident report is sent to the Indiana Bureau of Motor Vehicles (BMV)
- Drunk Driving
- A moving violation resulting in point loss within one year of receiving two other pointable moving violations
- Driving violations considered misdemeanors or felonies
- Any driving violation that results in point loss by a driver that has previously been suspended for failing to provide proof of financial responsibility
Submitting an SR22 form will require a small fee. This fee is not substantial, the real cost will be with your regular insurance company. Once you have been perceived as a high risk driver, your premiums will be reevaluated and raised. Unfortunately, there is no way to avoid this.
Indiana SR22 Insurance Page Updated 7/20/2020
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