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3 things you should know about car insurance before an accident

Car insurance requirements vary from state to state, so it is important you understand the laws before making a move. Indiana requires every driver to maintain a minimum amount of vehicle liability insurance. The requirement ensures that when involved in an accident, regardless of who is at fault, everyone is protected by insurance.

What else should you know about car insurance before an accident?

1. The minimum requirements

Indiana requires drivers have insurance protection in a 25/50/25 ratio. What does this mean?

  • $25,000 to cover one person for bodily injury or death
  • $50,000 to cover two or more people for bodily injury or death
  • $25,000 to cover property damage, like the vehicle(s) involved

These are the minimum requirements and delineate available coverage per accident. You have the option to increase these limits and purchase add-ons such as uninsured motorist coverage.

2. Failure to provide insurance information at the scene

If you are in an accident with someone who suddenly develops amnesia when it comes to handing over their insurance company information, you may expect the law enforcement officer working the scene to ticket the driver. Unfortunately, officers cannot give tickets for this. Instead, it will be up to the Bureau of Motor Vehicles to suspend the driver for not providing the proper documentation after the accident.

3. Insurance company procedure

After an accident, insurance companies, including your own, will want to speak with you and obtain a recorded statement. Be prepared to answer many types of questions in this statement including where you were coming from and going to, who was in your vehicle and if you have a dashcam installed. It is a good idea to wait until your mind is calm and clear to speak to any insurance company.

Car insurance can be a confusing prospect, and trying to navigate requirements and procedures both before and after a car accident can seem overwhelming. Keep a clear mind and know that having the proper insurance can help protect you when the unthinkable occurs.

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