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Indiana Auto Insurance & Crash Law Library
A public legal education and research library for Indiana auto insurance, UM/UIM, comparative fault, insurer duties, damages and settlement.
Indiana State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Indiana guide that answers the next coverage, liability, damages, insurer-conduct or settlement question.
Getting Started in Indiana
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative fault, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical benefits, reimbursement and settlement.
Case Authority
Indiana statutes and appellate authority organized by issue.
Guide 01 · Indiana Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep liability claims, UM/UIM, optional medical payments and reimbursement questions distinct. Identify possible government involvement before applying the ordinary fault discussion to the claim.
List the drivers, owners, injured people, employers and other responsible parties. Use Guide 14 for work use and read Guide 16 alongside Guide 17 when a governmental defendant may be involved.
Start with Guide 03, then read Guide 05 and Guide 06. Collect declarations, endorsements and written UM/UIM rejection records. Check each coverage and insured separately rather than assuming the liability limit answers every question.
Use Guide 18 for reports, photographs, witnesses, video, vehicle data and medical chronology. Keep dated insurer communications for Guide 09 and a separate calendar of deadlines requiring verification.
Read Guide 21, Guide 22, the case-authority library and official sources. Identify remaining coverage, reimbursement interests and released parties before a final claim decision.
Indiana Current-Law Snapshot
Issues to identify early
25 / 50 / 25 minimum liability
Indiana requires 25/50 bodily-injury liability and $25,000 property-damage coverage.
UM/UIM unless rejected
Newly written Indiana auto liability policies include UM and UIM unless rejected in writing.
UIM bodily-injury floor
When UIM coverage is provided, Indiana does not permit bodily-injury limits below $50,000.
Modified comparative fault
Recovery is generally allowed through 50% claimant fault and barred above 50%, subject to separate analysis for governmental defendants.
Optional MedPay
Medical Payments coverage is optional and can provide first-party medical benefits regardless of fault.
Indiana IDOI
The Indiana Department of Insurance regulates insurers, forms, complaints and market conduct.
Primary Research
Official Indiana research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Indiana Code
Open statutes →Indiana Department of Insurance
Open regulator →Indiana BMV
Open BMV →Indiana Courts
Open courts →Indiana State Police
Open State Police →Indiana Administrative Code
Open rules →The Department’s auto-insurance guidance is an additional starting point for required coverage and written UM/UIM rejection questions. Read the actual policy and the authorities linked in the relevant child guide for the particular claim.
How this library stays current
Build the complete Indiana coverage and claim map
Identify every policy and insured, written UM/UIM rejection or limits, comparative fault and government exceptions, evidence, damages, insurer conduct, MedPay/reimbursement and release consequences before claim closure.
Do not let one insurance card define the available recovery.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review damages, reimbursement and release consequences before treating a claim as complete.