Insurance in Indiana

Coverage Requirements in Indiana

Indiana requires 25/50/25 auto liability ($25,000 per person bodily injury, $50,000 per accident, $25,000 property damage). Indiana is at-fault with modified comparative fault at a 51% bar — a driver 51% or more at fault recovers nothing. UM/UIM matching 100/300 is strongly recommended given roughly 1 in 6 Indiana drivers are uninsured. Standard homeowners insurance in Indiana covers wind, hail, and tornado damage but excludes flood — a separate NFIP or private flood policy is needed along the Ohio, Wabash, White, and St. Joseph rivers and in flash-flood-prone areas around South Bend and Evansville. Hail and straight-line wind drive a large share of Indiana homeowners claims; audit Coverage A for current rebuild costs in premium suburbs like Carmel and Fishers. Indiana employers with one or more employees must carry workers' compensation insurance through a licensed carrier or self-insurance. Sole proprietors and partners are generally exempt but may elect coverage. Commercial auto and general liability matter for Indy-area contractors, logistics firms along I-65/I-70, and hospitality operators tied to the Indy 500 and NCAA events.