IN DMV Insurance and Financial Responsibility 1 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage required per person for Indiana drivers?
- $15,000
- $25,000 (Correct answer)
- $50,000
- $100,000
Correct answer: $25,000
Indiana requires minimum bodily injury liability coverage of $25,000 per person injured in an accident.
Question 2: What is the minimum property damage liability coverage required in Indiana?
- $10,000
- $15,000
- $25,000 (Correct answer)
- $50,000
Correct answer: $25,000
Indiana requires a minimum of $25,000 in property damage liability coverage per accident.
Question 3: What is the minimum total bodily injury liability coverage required per accident in Indiana?
- $25,000
- $50,000 (Correct answer)
- $75,000
- $100,000
Correct answer: $50,000
Indiana requires minimum bodily injury liability of $50,000 per accident (covering all injured persons combined).
Question 4: What document must Indiana drivers carry in their vehicle to prove financial responsibility?
- Vehicle title
- Proof of insurance card (Correct answer)
- Driver history report
- Vehicle inspection certificate
Correct answer: Proof of insurance card
Indiana drivers must carry a current proof of insurance card in their vehicle at all times as evidence of financial responsibility.
Question 5: Which of the following is an acceptable form of financial responsibility in Indiana besides liability insurance?
- A written promise to pay damages
- A cash or securities deposit with the state (Correct answer)
- A letter from an employer
- A copy of your credit report
Correct answer: A cash or securities deposit with the state
Indiana accepts a cash or securities deposit with the Bureau of Motor Vehicles as an alternative to traditional liability insurance.
Question 6: What happens to your vehicle registration if Indiana BMV discovers you are driving without insurance?
- You receive a warning only
- Your registration may be suspended (Correct answer)
- You are required to take a driving course
- Your vehicle is immediately impounded
Correct answer: Your registration may be suspended
If the Indiana BMV discovers a lapse in insurance coverage, your vehicle registration can be suspended.
Question 7: How long can Indiana suspend your license for a first offense of driving without insurance?
- 30 days
- 60 days
- 90 days (Correct answer)
- 180 days
Correct answer: 90 days
A first offense of driving without insurance in Indiana can result in a 90-day license suspension.
IN DMV Insurance and Financial Responsibility 1
What is the minimum bodily injury liability coverage required per person for Indiana drivers?