Indiana

1. What Is SR-22 Insurance in Indiana?

An SR-22 form is a requirement for certain high-risk drivers in Indiana. It serves as proof that you have purchased liability car insurance coverage that meets the state’s minimum requirements. However, it’s essential to understand that the SR-22 itself is not insurance; rather, it’s a certificate of financial responsibility.

2. When Do You Need SR-22 Insurance in Indiana?

You may need SR-22 insurance in Indiana for reasons such as:

• Causing a car accident while driving without insurance.

• Causing multiple car accidents.

• Driving under the influence of drugs or alcohol.

• Failing to pay court-ordered child support.

• Having a hardship license due to a license suspension or revocation.

• Reinstating your license after suspension or revocation.

• Serious traffic offenses (e.g., reckless driving or repeat violations).

3. SR-22 Requirements in Indiana

To meet SR-22 requirements in Indiana, your liability car insurance must have at least the following coverage:

• Bodily Injury Liability:

  • $25,000 per individual hurt or killed during an accident

  • $50,000 for more than one individual in an accident

• Property Damage Liability:

  • $25,000 per accident

4. Duration and Renewal

• You must maintain SR-22 coverage for a minimum period of three years.

• If you fail to renew your insurance policy with SR-22 coverage on time, your license may be suspended again.

5. Where to Get SR-22 Insurance in Indiana?

Your insurance company must file the SR-22 on your behalf—you cannot file it yourself. Look for insurers experienced in handling high-risk cases.

Remember, responsible driving and compliance with state regulations are essential for a smooth journey on Indiana’s roads.

For more information, you can visit the Indiana BMV’s Proof of Financial Responsibility page.

Sources:

1. Indiana BMV: Proof of Financial Responsibility

2. SR-22 insurance in Indiana | Insurance.com

3. SR-22 Requirements in Indiana - SR-22 Adviser

4. SR22 Insurance in Indiana: Everything You Need to Know