Proof of Financial Responsibility
All motorists that operate a motor vehicle on Indiana roadways are required to maintain the state’s minimum amount of liability insurance coverage for the vehicle they operate. The state of Indiana has a 25/50/25 minimum liability insurance requirement. This required minimum coverage includes $25,000 for bodily injury to or the death of one (1) individual, $50,000 for bodily injury to or the death of two (2) or more individuals in any one (1) accident, and $25,000 for damage to or the destruction of property in one (1) accident.
The Bureau of Motor Vehicles (BMV) is required to verify that all motorists have the minimum liability insurance coverage in effect whenever a vehicle operator is involved in:
- An auto accident for which the BMV receives an accident report.
- A pointable moving violation within one (1) year of receiving two (2) other pointable moving violations.
- A serious traffic violation, such as a misdemeanor or felony.
- Any pointable violation by a driver who was previously suspended for failing to provide proof of financial responsibility.
Drivers are not relieved of the requirement to provide proof of financial responsibility following a conviction, even if the conviction is ordered expunged, vacated, or otherwise removed, from the record. In addition to the scenarios outlined above, the BMV may request proof of financial responsibility at any time.
If any of the preceding situations occur, a request for financial responsibility verification will be sent to your mailing address on file with the Indiana BMV.
You must then arrange for your insurance provider to file a Certificate of Compliance (COC) electronically with the Indiana BMV. The COC will demonstrate that the vehicle you were operating at the time of the incident or accident was insured to the state’s minimum motor vehicle liability protection. The COC must be received and processed by the BMV within forty (40) days of the BMV’s mailing of a request for financial responsibility verification or your driving privileges will be suspended. Once your driving privileges are suspended, you may have the suspension removed from your driver record by having your insurance provider electronically provide the COC covering the date of the incident or accident and the vehicle involved.
If your driving privileges are suspended upon conviction of certain court-related offenses, or for insurance violations, Indiana law may require you to hold SR22 insurance. Your insurance provider must electronically file proof of future financial responsibility with a SR22 form for you to be reinstated. The SR22 requirement, along with any reinstatement fees, must be satisfied before your driving privileges will be reinstated.
The SR22 form demonstrates that you have a motor vehicle insurance policy that meets the state’s minimum standards, and it cannot be cancelled without prior notice given to the Indiana BMV. When you have a SR22 requirement, you must maintain an effective SR22 policy on file with the Indiana BMV for three (3) years as a result of your first and/or second no-insurance suspension; or five (5) years as a result of your third and subsequent no-insurance suspensions. If the Indiana BMV receives an SR26 (cancellation of SR22 insurance) notice from your insurance provider, or the BMV does not have an effective SR22 on file at any time during the three (3) or five (5) year period, your driving privileges will be suspended until the Indiana BMV receives an effective SR22 policy that shows coverage is in effect, or the SR22 requirement period expires.
The self-insurance administrator at companies/organizations, with a current BMV-issued Certificate of Self-Insurance, must utilize the EIFS program to submit appropriate proof of financial responsibility.
Insurance Agents Information
The BMV's Electronic Insurance Forms Submission (EIFS) program allows insurance providers to submit a number of different proofs of financial responsibility through the BMV on behalf of their customers. Four different proofs of financial responsibility (insurance) will be accepted electronically through this program, including SR22, SR26, SR50 and a Certificate of Compliance (COC). Participating insurance agents may enter information from any of the four accepted forms into the BMV's database, which will update their customer’s official driver record.
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