We operate with one goal above all others: to provide you the best coverage for the lowest rates.  With that principle in mind, the next several posts will be about Indiana auto insurance.  First we will talk about the legal requirements, then about what you can expect from a policy with us, and finally we'll wrap it up with some little known facts about auto insurance.  These posts are designed to help you understand what you need in an Indiana Auto Insurance Quote.

Drivers are required by the State of Indiana to have liability coverage (meaning that if an accident is your fault, your insurance can cover the other person). Liability coverage breaks down into two categories: Bodily Injury (coverage for the other person and/or passengers) and Property Damage (coverage for the property that you collide with, be it a building, another car, etc).

The state required amounts for Bodily Injury are $25,000 per person or $50,000 per occurrence.  This means that if there are three people in the car that you hit, and they each have $25,000 worth of medical bills, state minimum insurance would only cover the first two to turn in a claim.

The state required amount for Property Damage is $10,000.  This means that if you cause more than $10,000 in damage, you will be paying the rest out of your pocket.

As you can imagine, in most situations where auto insurance would be necessary, state minimum limits would be inadequate.  This is why we will always recommend higher limits than a state minimum auto policy

Don't wait until our next post to learn about how we write auto insurance - call us today to be better protected! 

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