Car insurance in the state of Indiana is mandatory in all states and is required at the time of registering your vehicle at the Department of Motor Vehicles. The minimum liability coverage in Indiana is $25,000 for injury or death of one person and $50,000 for injury or death of more than one person. The minimum property damage coverage is $10,000.
Indiana follows a Tort system. This means that the state of Indiana does not require its drivers to purchase Personal Injury Protection (PIP) coverage nor Uninsured/Underinsured Motorist coverage (UN/UIM).
The statute of limitations is the period for which you are eligible to file the insurance claim and lawsuit. If it expires, you lose the benefits that you deserve to obtain from the party responsible for causing the car accident. You can file a personal injury claim within 2 years of the car accident, and a property damage claim within 2 years.
Indiana is a comparative fault at 51% state. That means that you are not eligible to collect damages if you are more than 50% at fault for the accident. As long as your fault in an accident is ruled by the court to be below 50 percent, you are eligible to collect payments. For example, if the court rules that damages should be paid in the amount of $100,000 and your fault is ruled to be 40 percent, you will receive $40,000.