As residents of Indiana, the law requires us to carry mandatory car insurance if we want to operate a vehicle. In order to avoid costly suspension of our driver’s license and high-risk coverage requirements, it is important to understand the legal requirements and to examine if that coverage is adequate for our needs.
Liability insurance covers property damage and bodily injury should we have an accident and are determined to be at fault. The law requires us to carry property damage coverage of at least $25,000 should we damage someone else’s property and bodily injury coverage of at least $25,000 per person and $50,000 per accident should we cause harm to others. Additionally, Indiana liability policies include uninsured motorist coverage that meets the minimum liability requirements and underinsured motorist bodily injury coverage of $50,000.
While it is possible to opt out of uninsured motorist coverage, doing so places a great deal of trust in other drivers and their level of financial responsibility. The insurance experts at Poe & Associates, Inc. are available to help secure a policy that meets these minimum requirements.
Collision, comprehensive, and rental reimbursement are not required by law.
The agents at Poe & Associates, Inc. are available to discuss automobile insurance and other personal insurance needs. Feel free to give us a call, stop by the office for a visit, or explore the online automobile insurance rating tool.