Indiana Auto Insurance

Indiana Auto Insurance questions and answers

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Q: can you get auto insurance in indiana with a suspended drivers license?
i have a suspended drivers license and cannot reinstate with out proff of insurance.

A: You'll need to get an SR-22 from the insurance company (they'll know what it is)... Here's what the Indiana BMV has to say on the topic: "When a motorist’s operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be cancelled without prior notice. A valid SR-22 Proof of Insurance form must be filed with the BMV for three years after the end of the suspension. If the BMV receives a cancellation notice or does not have a current SR-22 form on file at any time during the three-year period after reinstatement, the motorist’s driving privileges will become suspended again. "If a motorist is convicted of driving while suspended, the violation carries a mandatory minimum suspension of 90 days served concurrently with any other suspensions." http://www.in.gov/bmv/3563.htm

Q: Auto Insurance in Indiana?
I have had Progressive for many years and no claims.We do deserve cheaper rates because of our age and driving record and low mileage. I recieved a much lower quote from Indiana Farmers Mutal Insurance. I have a 2000 Tahoe that is like right off the show room floor and I understand most companies are allowed to relace parts from a junk yard or for much lower than would it would cost unless it is under 2 years old. Has anyone placed a claim with either of these companies and what was your satisfaction? Because of the condition of our Tahoe, which is perfect and just over 30 thousand miles and a limited edition, who has ideas on the best auto insurance out here in Indiana?

A: good and cheap insurance companies around Indiana. I found here. http://all-car-insurance.blogspot.com/Good luck!

Q: In the state of Indiana, If I get a speeding ticket will it raise my auto insurance rates?


A: Maybe. Most companies will "forgive" the first speeding ticket you get, which means, your FIRST ticket won't raise your rates. Your second one will, though.

Q: How much generally does an insurance agent make in Indiana?
How much in general does an insurance agent make in Indiana? What type makes the most income, Auto or personal type insurance?

A: I agree with both answers you have already been given. Do you already have your license? I know of a company in Indiana that trains and pays you to learn all the insurance fields.

Q: Which insurance group gives the best homeowners + auto insurance rates?
Buying my first home soon and need homeowner's insurance. I heard you can combine your homeowners and car insurance together and get a great rate. Trying to find out which group, allstate, american family or other is best. I live in Indiana.

A: Most of these will combine insurance covers, just experiment getting quoted for one then attach the other: http://www.esuperfind.com/carinsurance.php?id=8893

Q: In Indiana, how much money should I ask for from an auto accident insurance claim?
Someone ran a stop sign in the country (not in town) and t-boned my mini-van. He was an employee of a tree company driving the company vehicle and admitted looking at the trees/power lines instead of paying attention to the road. There were witnesses that saw him hit my van with me and my 2 daughters (1 & 6 yrs.) inside. 1 of my daughters was transported by ambulance along with me. She's done with treatment but I'm still seeking chiropractic care (done with physical therapy though) about once a week. The insurance co. wants to settle but offered me $15,000 but the bills themselves are up to over $18,000. I told the adjuster, there is no way that will work and that I'd get back to her on an amount. WHAT SHOULD I SAY AND ASK FOR? I definately want my bills paid but also would like to take into consideration the amount of money it will cost me in the next however many years for maintenance care for my neck and back pain. PLEASE HELP ME..I WANT TO SOLVE THIS W/OUT HIRING A LAWYER!

A: Have you contacted your own insurance company? Typically when there's large amounts of medical bills involved, your insurance company will use your policy limits to pay. Here in Ohio, we'd keep the claim open for up to 3 years. Once that time limit has passed, we subrogate against the other company and get our money back. If you don't have any medical payments coverage on your own policy, then that's not an option. The other insurance company isn't going to be happy keeping your claim open for years. Your best bet is to hire a lawyer.

Q: How do I handle insurance etc. when selling a vehicle by owner?
I live in Michigan and the buyer is coming from Indiana. Should I cancel my auto insurance before the buyer leaves with the vehicle? What if the buyer dosn't have insurance for it yet (and can't get it today, because it is Saturday) and asks me to wait till Monday to cancel my policy on the vehicle? What about registration and sales tax?

A: NEVER EVER cover strangers on your insurance (even close relatives and friends are very risky)!!! Your tag should come off and your insurance be cancelled before the car goes anywhere. He needs to provide current proof of insurance (most policies provide for temporary coverage of new vehicles) or NO SALE. Any other way and you're likely to take it in the shorts.

Q: Do I need to change my Car Insurance? What do i need to do?
I am a foreign student in United States. I stayed at California for 2 years. Now, I moved to Indiana State. I have a car Insurance with California address. My License plate is still California's. Do I need to do anything with my insurance? When I tried to do a trial quote for changing address at Geico, the quote for new address is almost 2 times more expensive than the old one. I don't know what to do. I believe Indiana Auto insurance must be cheaper than that of California. Should I just cancel it and start a new one? Do I still need to do anything with DMV?

A: Find an independent agent, and tell him you have moved from CA to IN and you need insurance. That's assuming your current insurance doesn't cover you in IN, call them and ask about transferring it they do. Do not cancel your current insurance until your new policy is in effect. Once you are insured and have your card covering you in IN, go to the DMV. For registration: Register Vehicle as New Indiana Resident To register your vehicle as a new Indiana resident, you will need to visit a license branch and provide your vehicle's Certificate of Origin and Odometer Statement. You will also need to show proof of insurance. New residents must also apply for a title before receiving a license plate at a branch. You will also turn in your old drivers license for a new one. An applicant for a new Indiana operator license who holds a valid photo license issued by another state, the District of Columbia or U.S. Territory must successfully pass a written and vision test.

Q: Will auto insurance companies know my driving record in other state? will they check the other state's record?
I used to stay in CA and I have zero violations, basically my record in CA is 100% clean. Then I moved to Indiana for college for a few years. There I got a moving violation ticket and I also made a claim with my insurance company (progressive) for a minor property damage; I crashed into my apartment's carport (this wasn't major accident and only my insurance and apartment know) So, I have moved back to CA now, and Im considering getting insurance from other companies. Will they know my driving record in Indiana (1 moving violations ticket and the 1 claim i made to progressive)? What are the consequences of witholding this info? My driving record in CA is very clean and Im concerned about disclosing info that I should't have to. I will probably tell them about the claim i made to progressive. but is it ok not to tell them of my moving vioaltions ticket? know they can check from MVR for driving record and from CLUE for claims.But will they check my IN record or CA only?I have CA licens

A: You remind me of a client I had that moved here from another province. When we received his driving record, he was mad. He said his accident shouldn't count because he didn't have that car anymore, he sold it before he moved, and besides, the woman he hit was a "witch" with a b. You don't hide claims or violations, because they find out anyway.

Q: How long does someone legally have to report an auto accident to their insurance company?
Very recently we had an individual crash into our car, totalling it, during the night. They initially left the scene (He was likely drunk at the time) but the police were able to find the person and the vehicle. Now, this person is not responding to his insurance company. He is not answering their calls and he refuses to call them. I am being told that they cannot do anything until he contacts them. This leaves me with no vehicle and no answers. How long can he legally do this? What can I do? I live in Indiana.

A: Making a claim of this type will not cause your rates to go up. Contact your company about covering the damage under either uninsured motorist, or collision coverage. You will have a deductible either way, but they will try & get it back from the other company.

Q: When you get married at 20, expecting a baby, what happens to your Insurance, taxes, other legal things?
Me and my girlfriend are expecting in 6 months and we are ready to get married because even though we are young, we cant imagine being with anyone else and we are old as in Maturity mentally, ok so we decided that we would get married in March (baby is due at the end of april), so i am wondering what will happen to our insurance if we are both on our parents , also i have my car insurance under my moms auto insurance, can we receive medicaid( we live in indiana)?

A: Medical insurance under parents is gone. Car insurance is fine. Medicaid maybe for baby and mom, not for you. Get a job and support your family as the Mature adult you claim to be

Q: If my insurance company settled with my auto accident can it come back on me?
I was in an auto accident in 06. My insurance company settled with this woman back in begginning of 08. She accepted what my insurance wanted to give her which maxxed out my limits she initially wanted 95k and only got 50k. I live in Indiana. I was told she cannot come back on me and try to sue me since she settled with my insurance company. I got a letter in the mail from an Attorney were she is sueing her insurance company I don't know whether its Auto or Health insurance. They are wanting me to be a witness and assist her to she if she has a claim against her insurance company. the letter says its a civil litigation in which she has requested substantial damages. Now if she wins against her insurance company can they come back on me to try and get payment because of her? her car was paid for thats medical bills + pain and suffering I don't have 50k for everything thats just for personal.

A: Charlie, I suggest you visit a nearby auto insurance agent to help. Since I live in Rhode Island I can't recommend an agent in Indiana, but here is an website that can help you. http://www.multipleautoinsurancequotes.com/Indiana-Car-Insurance-Quotes.html Good Luck!

Q: Statue of limitations for an accident in the state of Indiana?
Back in 2006 I was involved in a auto accident and the other person recieved a ticket becasue they didn't have insurance, they claimed they did, but didn't have info on them. They went to court, and the ticket was cleared, however my insurance company said that they really didn't have insurance and turned it over to a collection agency/legal rep. My car was fixed and supposedly the other persons car got fixed too(they had some sort of insurance that only paid for theirs). The collection/legal place my insurance got said that they recieved a call from someone who told them that the person moved to canada. Will they try to pursue legal action against the person? Or will they just drop it? They have no way of actually knowing if the person left the country. This occured in indiana, and I read that they have 2 years from the date of accident to persue action.

A: Well, they can get the JUDGEMENT in your locality, in court, regardless of where the other person moved to. THEN the judgement is collectable, usually forever, unless bankruptcy is declared. So will they pursue? It's going to depend on 1. how much money you're talking about and 2. how collectable this person is - if they don't have a pot to sit on, they aren't likely to EVER collect anything. And if we're talking about $2,000, it's not worth the effort.

Q: Indiana Driver's Licence Suspended-I need information on how to get reinstated?
Okay, here's the situation: My fiancee has had 2 tickets in one year. Due to financial difficulties she was unable to pay off the tickets and now her license suspended. At the time, I didn't have the money to loan her as we are both on limited incomes as we are both in college. Currently, I have come into a little bit of money and can help her pay them off. Here's the problem: Her licence is suspended, she never paid the tickets, and never showed up in court, basically she got the ticket, put it in her glove box and never dealt with it. Some of the information that I found on the net says that she needs to show proof of insurance at the time of the infraction, she didn't have it. I know it was irresponsible but we need information on how to get this matter taken care of so we can get her auto insurance and a license that can be used as a working state issued ID. Any help that can be offered would be greatly appreciated.

A: You're going to need to contact the DMV. Likely, she's going to need to 1. pay off the tickets and 2. get an SR-22 endorsement on her auto policy (can be cheap, or mongo expensive). But you need to pay off the tickets in order to get the paper you need to get the SR-22. So pay off the tickets first, THEN ask the DMV what she needs to do to get reinstated.

Q: How Do You Handle A Speeding Ticket?
After 45 yrs. of driving my husband got a ticket for speeding. The Indiana Highway Patrol Officer said he was going 14 miles over the speed limit. So because my husband has NEVER had a ticket before, they offered him a 6 month program. Here is the deal. He would pay $191.50 & not get another ticket for speeding for 6 mos. After that time the speeding charge would NOT go on his driving record & all would be dismissed. Since we have never had to deal with this before we wanted to know if our auto insurance would go up. Would we be better off just paying the ticket of $128.50 & just taking the points on the driving record? If getting 1 ticket wouldn't impact my husbands driving record then why pay the extra $63? What would you do? We live in Indiana & my husband is 60 yrs. old. We have also been insured ( home & vehicles) with State Farm Ins. for many yrs. Thanks for your suggestions! Rev. Joie

A: After this many years of driving and this being his first ticket it's obvious he's not a speeder. I would go with the 128.50 and get it over with. First time might not affect the insurance.