Indiana Law states a person may not operate a motor vehicle in Indiana if financial responsibility is not in effect with respect to the motor vehicle operated, or the person is not otherwise insured to operate the motor vehicle. 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 with respect to the vehicle operated 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 you and 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 ninety (90) 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 on your behalf 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 to regain your driving privileges. Your insurance provider must electronically file proof of future financial responsibility with a SR22 form for your insurance suspension to be stayed and your driving privileges regained. The SR22 requirement for insurance suspensions is satisfied after maintaining SR22 coverage for 180 consecutive days.
The SR22 form, also known as proof of future financial responsibility, 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. 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 required 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.
Out of State residents may submit the Out of State Residency Affidavit to waive the SR50 or SR22 requirement. If you become an Indiana resident again prior to the expiration date of the insurance requirement period, you will be required to meet the insurance requirements until the expiration date.
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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