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I live in Indiana and I have my home and several vehicles insured through Shelter Ins including full coverage on my 06 Jeep. However, I received a citation on my motorcycle which had lapsed. Should I have to prove my vehicle was insured? Technically I was not an uninsured motorist.”

Asked February 13, 2018

1 Answer


The state of Indiana does require a minimal amount of insurance on any and all vehicles operated on a public road. The minimal insurance requirement in Indiana is 20/50/25 liability covering both bodily injury and property damage in the event of an accident. When you have multiple vehicles, each one must be listed as a covered vehicle on your insurance policy. A motorcycle does meet the definition of a motor vehicle and is required to have minimal insurance in the state of Indiana.
What is lapsed insurance? A lapsed insurance policy is one which is no longer in effect. Since your insurance on the motorcycle had lapsed at the time of the citation, you are considered an uninsured motorist and liable to pay the citation. The Department of Motor Vehicles, DMV, may also choose to suspend your license if you are found to have violated the minimal insurance requirement. Your license can be suspended for a minimum 90 days up to a maximum one year. To reinstate your license may require filing an SR-22 to prove future financial responsibility.

Answered February 20, 2018 by starinsured

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