Indiana Insurance After Uninsured Suspension

Pays for injuries you cause to other drivers, pedestrians, or passengers in another vehicle.

Pays for damage you cause to other vehicles, buildings, fences, or roadside infrastructure. Indiana does not require collision or comprehensive coverage, but lienholders enforce those coverages contractually.

Indiana requires SR-22 filing after uninsured driving suspensions, demonstrating continuous coverage to the BMV. Your carrier files the SR-22 electronically at policy inception and must notify the BMV within 15 days if your policy lapses. That notification triggers immediate re-suspension, and the 3-year clock resets from the date of re-reinstatement, not the original suspension.

Satisfies Indiana's SR-22 requirement if you sold your car, had it impounded, or never owned a vehicle. Non-owner policies provide liability coverage when you drive borrowed or rental vehicles. Indiana accepts non-owner SR-22 for reinstatement, and it converts to standard auto coverage when you purchase a vehicle — the SR-22 filing transfers without resetting the clock.

UM coverage pays your medical bills and vehicle damage when hit by an uninsured driver or in a hit-and-run. Carriers must offer it at policy inception; rejecting it requires a signed waiver form — verbal rejection does not count and the coverage is added automatically if the form is not completed.