Indiana · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Indiana: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

Indiana law bars driving without the required insurance. Every policy must include uninsured and underinsured motorist coverage, at least equal to your bodily injury liability limits, unless you reject it in writing (IC 27-7-5-2).

Uninsured motorist (UM) coverage
Included unless you reject it
Minimum liability
25/50/25
Insurance system
Fault (tort)

Uninsured motorist coverage in Indiana

Uninsured / underinsured motorist (UM/UIM)
Every policy must include uninsured and underinsured motorist coverage, at least equal to your bodily injury liability limits, unless you reject it in writing (IC 27-7-5-2). IDOI lists the minimums as $25,000/$50,000 uninsured motorist bodily injury, $25,000 uninsured motorist property damage, and $50,000 underinsured motorist.
Liability minimum
25/50/25
Official text
Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Indiana

  • Indiana law bars driving without the required insurance.
  • If the other driver has no insurance, your own uninsured motorist coverage (included unless you rejected it in writing) can pay.
  • A driver who does not pay a crash judgment over $200 within 90 days can lose their license for up to 7 years (IC 9-25-6-4).

Penalties for driving uninsured in Indiana

  • After a crash report, the BMV asks for proof of insurance; if your insurer does not file a Certificate of Compliance within 90 days, your license and/or registration is suspended.
  • The suspension can be stayed for 180 days if you file proof of future insurance (SR22) (IC 9-25-6-3).

More facts for Indiana

  • After any crash the BMV learns about from a police report, each driver must show proof of insurance through a Certificate of Compliance filed by their insurer within 90 days, or lose their license (IC 9-25-5-2, 9-25-6-3; Indiana BMV).

Recent changes in Indiana

  • From January 1, 2028, proof of insurance can also be checked through a secure online insurance verification system (P.L.227-2025; IC 9-25-4-7, 9-25-4-8).

How fast an insurer must handle a claim in Indiana

  • IC 27-4-1-4.5 lists unfair claim settlement practices, including failing to acknowledge claims reasonably promptly, failing to affirm or deny coverage within a reasonable time after proof of loss, not trying in good faith to settle when liability is reasonably clear, and, in liability claims, blaming you for part of the crash despite an obvious absence of fault on your part.
  • The statute sets no fixed number of days.

Claiming from the uninsured driver in Indiana

Small claims limit for car damage in Indiana: $10,000 (also in Marion County township small claims courts). Indiana small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Indiana

  1. Report the crash to the police. Stop, stay at the scene, give your name, address and plate number to anyone involved, and show your driver's license. Reporting a crash in Indiana and getting the police report
  2. Write down the other car's plate and get witness names.
  3. Claim under your uninsured motorist coverage; in Indiana it is included unless you reject it.
  4. If your coverage doesn't pay everything, sue the driver before the deadline: 2 years for both property damage and injury. Deadlines to sue in Indiana, with the calculator

Free help in Indiana

Questions about uninsured drivers in Indiana

Is uninsured motorist coverage required in Indiana?

Every policy must include uninsured and underinsured motorist coverage, at least equal to your bodily injury liability limits, unless you reject it in writing (IC 27-7-5-2). IDOI lists the minimums as $25,000/$50,000 uninsured motorist bodily injury, $25,000 uninsured motorist property damage, and $50,000 underinsured motorist.

What happens if you drive without insurance in Indiana?

After a crash report, the BMV asks for proof of insurance; if your insurer does not file a Certificate of Compliance within 90 days, your license and/or registration is suspended. The suspension can be stayed for 180 days if you file proof of future insurance (SR22) (IC 9-25-6-3).

What can I do if an uninsured driver hits me in Indiana?

Indiana law bars driving without the required insurance. If the other driver has no insurance, your own uninsured motorist coverage (included unless you rejected it in writing) can pay. A driver who does not pay a crash judgment over $200 within 90 days can lose their license for up to 7 years (IC 9-25-6-4).

What is the minimum car insurance in Indiana?

25/50/25

How long do I have to sue an uninsured driver in Indiana?

2 years for property damage and 2 years for injury.

How fast must an insurer handle a car insurance claim in Indiana?

IC 27-4-1-4.5 lists unfair claim settlement practices, including failing to acknowledge claims reasonably promptly, failing to affirm or deny coverage within a reasonable time after proof of loss, not trying in good faith to settle when liability is reasonably clear, and, in liability claims, blaming you for part of the crash despite an obvious absence of fault on your part. The statute sets no fixed number of days.

More for Indiana drivers

Nearby states

Sources

Last checked: Oct 24, 2026.