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Liability Insurance — Indiana

Liability insurance pays for injuries and property damage you cause to others in an accident, but it doesn't cover your own vehicle or injuries.

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What Is Liability Insurance Insurance?

Liability insurance covers damage you cause to other people and their property when you're at fault in an accident. It pays the other driver's medical bills, lost wages, vehicle repairs, and legal fees up to your policy limits.

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Who Needs Liability Insurance Insurance?

Liability insurance is legally required to reinstate a suspended Indiana license, regardless of suspension cause. Drivers without a vehicle must carry a non-owner liability policy to satisfy BMV proof-of-insurance requirements. Anyone driving a vehicle in Indiana must maintain continuous liability coverage or face license re-suspension and extended SR-22 filing periods.

If your suspension requires SR-22 filing, your liability policy must remain active for the entire filing period without lapses. A single missed payment triggers an automatic BMV notification and extends your filing requirement. Choose higher-than-minimum limits if you have assets to protect or if your suspension resulted from an at-fault uninsured accident.

Related Coverage Types

A hand holds a black-fobbed key over a wooden table with stacked papers, a pen, and a document in a folder, in a blurred kitchen interior.Suspended License SR-22→A woman in a gray shirt sits in the driver's seat of a vehicle, holding a phone to her ear and looking off to the side, seen through the windshield.Non-Standard Auto→A hand holds a key with a black fob over a wooden table with papers, a pen, a dark mug and a bowl of fruit, in a blurred kitchen interior.Hardship License Insurance→An open galvanized metal mailbox with a raised red flag on a wooden post, holding a large envelope, with a blurred dark SUV in a driveway and a house behind it at dusk.High-Risk Auto Insurance→
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