Bodily injury & property damage liability
Helps address covered injuries or property damage you cause to others, up to the applicable limits.
Auto insurance · Serving Indiana statewide
Auto insurance across Indiana.
Your auto policy is more than a card in the glovebox. Review protection for your vehicles, household drivers, and the financial responsibilities that can follow an accident.
Built around your real life
The right conversation goes beyond the car.
A new vehicle, teen driver, different commute, or change in how you use a car can affect your insurance needs. Bring the details of your household and your current policy so the review starts with real life.
- Your responsibility
- Look at liability limits for injuries and damage you may cause to others.
- Your vehicle
- Compare collision and comprehensive coverage, deductibles, and financing requirements.
- Your household
- Discuss drivers, vehicle use, and protections that may matter when another driver is uninsured.
Quotes from multiple insurance companies. Guidance for clients across Indiana. Available options depend on your needs and the insurer’s requirements.
Understand the building blocks
Auto Insurance.
A little more clearly.
Use these topics to guide a review. Available products, limits, endorsements, and eligibility depend on the insurer and your situation.
Collision
Addresses covered damage to your vehicle from a collision, generally subject to a deductible.
Comprehensive
Addresses certain non-collision losses such as theft, hail, or fire, depending on the policy.
Uninsured & underinsured motorists
Review protection when another driver has no insurance or insufficient coverage. Indiana requires uninsured and underinsured motorist coverage in newly written auto liability policies unless rejected in writing.
Medical payments
Can address eligible medical expenses for you and usually your passengers, subject to limits. It is a separate coverage discussion from liability.
Options for the unexpected
Ask about rental reimbursement, roadside assistance, and any other options available for your policy.
Look at the detailsMeeting a legal minimum is a starting point.
A serious accident may create costs beyond a minimum-limit policy. Review the limits you carry alongside your assets, household responsibilities, and ability to absorb a loss. Compare the coverage you would rely on after an accident alongside the premium.
Talk it through with the agencyPut the policy in context
Real situations. Better questions.
These hypothetical examples show what to ask. They do not determine whether a claim would be covered.
A teen starts driving a household vehicle.
Tell the agency about household drivers and regular vehicle use. Ask how the driver should be listed and how liability limits, vehicle-damage coverage, and any available discounts fit the updated situation.
Ask your advisor
What needs to change before the new driver begins using the car?
Your parked car is damaged by hail.
Comprehensive and collision address different kinds of vehicle damage. Hail generally belongs in the comprehensive discussion; confirm that coverage is selected and review its deductible and settlement terms.
Ask your advisor
Do I carry comprehensive on this vehicle, and what would I pay myself?
A personal vehicle starts making deliveries.
A personal policy may have restrictions on business, delivery, or ride-share use. Describe the actual activity before assuming that an app or employer supplies all the protection you need.
Ask your advisor
Does this use require a different policy or an available endorsement?
Make the conversation count
A little preparation.
A more useful review.
You don’t need to arrive with every answer. These details can help the agency understand where you are starting.
1
Current policy and renewal date
2
Vehicles, household drivers, and how each vehicle is used
3
Loan or lease requirements and questions about deductibles
Use the agency’s requested secure process for sensitive application information. Please do not email Social Security numbers or medical records.
A little clarity before we talk
Auto Insurance questions, answered.
Understand the details before you decide.
What auto insurance does Indiana require?
The Indiana BMV describes minimum liability limits of $25,000 for one person’s bodily injury or death, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage in one accident. These limits do not cover every possible expense or replace a needs review.
Indiana BMV insurance requirements (opens in a new tab)Are collision and comprehensive the same?
No. Collision generally addresses damage to your car from a collision. Comprehensive generally addresses specified losses from causes such as theft, weather, or fire. Deductibles and exclusions still apply.
What should I do when adding a teen driver?
Tell the agency about the new driver, vehicles, and expected use. Ask how the driver should be listed, which limits to review, and whether any driver-training or other discounts are available.
Can I choose a higher deductible?
Discuss available deductible choices and what each would mean for the premium and your out-of-pocket cost. Choose an amount you could reasonably handle after a covered loss.
See the bigger picture
Protection works together.
Your next question may connect to another part of your coverage.
Home Insurance
Start with what it would take to rebuild.
Umbrella Insurance
Think about how your policies work together.
Learn more from official consumer resources:Indiana Department of Insurance auto guidance (opens in a new tab)Indiana BMV financial responsibility (opens in a new tab)
Based in Carmel. Serving all of Indiana.
A clearer view of your auto insurance.
Bring your current policies and your questions. We’ll help compare available quotes from multiple insurance companies and put the details in context.