If they reinstated my license do i still need to provide insurance from being pulled over?

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Asked April 11, 2018

1 Answer


Indiana car insurance requires drivers to maintain financial protection for their vehicles via a minimum amount of automobile liability insurance. You must maintain what is called "25/50/25" coverage. What does this mean? You must maintain a policy that offers $25,000 in the event of bodily injury or death of one person, $50,000 for the bodily injury or death of two or more people and $25,000 for property damage or total destruction per accident. Depending on the reason that your license was reinstated, you might also be required to have an SR22 insurance certificate on file that verifies that you have coverage. You must maintain the SR22 certificate for three to five years depending on the reason that you originally lost your driving privileges.

You must maintain this coverage and provide proof of it in the form of an insurance card when either the Indiana Bureau of Motor Vehicles or law enforcement demand proof. Your insurance card should remain on your person at all times as it guarantees that you can show on the spot that you're behaving in a financially responsible way when driving your motor vehicle. If you don't have your card on you at the time of a request, you could lose your license again.

The Bureau of Motor Vehicles might also ask that your current automobile insurance carrier forward another Certificate of Compliance directly to the BMV within a preset time period to reconfirm your coverage. Typically, an insurer must fulfill this request within 90 days. In the event that the BMV makes a COC request, you should always confirm receipt of the documentation by contacting the BMV. Your insurer can only confirm that they sent the COC. If the BMV doesn't receive the certificate for some reason, you could have your license suspended.

Answered April 13, 2018 by starinsured

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