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When it comes to car insurance, every state has its own laws governing the minimum liability insurance required. Some states follow a tort system, while others follow a no-fault or hybrid auto liability system. It’s important to know Indiana’s insurance requirements in order to choose the best insurance policy for you. At AIP, learn everything you need to know about Indiana’s auto insurance laws and compare Indiana auto insurance company quotes here, your one-stop-shop for all things related to Indiana car insurance.

Indiana auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

What is Indiana’s type of insurance liability system?

Indiana follows a tort system. This is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. It does not require that a person be held responsible for causing an accident. It will reimburse a policyholder without proof of fault.

Personal Injury Protection(PIP) insurance is not required in Indiana.

It is an optional coverage. Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Uninsured motorist coverage is not mandatory in IN.

Just because it is not mandatory does not mean that uninsured motorist coverage is not worth considering. An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Indiana, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

Consider purchasing additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Alabama auto insurance rates.

Click for more information about Alabama auto insurance quotes.