Required Auto Insurance & Minimum Limits in Indiana

• Confirm the declarations page, covered vehicle and actual liability limits.
• Determine whether UM/UIM coverage was included or rejected in writing as permitted by Indiana law.
• Investigate owner, household, employer, commercial, umbrella and excess coverage when the facts support additional policies.
• Do not assume statutory minimums represent the total insurance available after a serious crash.

Primary Indiana Sources

• Indiana Department of Insurance — Auto Insurance
• Indiana Code ch. 27-7-5 — UM/UIM Coverage

Current-law review: September 16, 2026. Confirm the policy actually issued and the governing law for the date of loss.