All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Indiana is $25,000 for injury, $50,000 for all injury, and $10,000 in property damage. Commonly referred to as 25/50/10 coverage.
Driving without proper liability insurance results in a 90 day suspension for first offenders. Any subsequent offense within 3 years will incur an additional 1 year suspension to be served concurrently with the most recent suspension.
This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.
An administrative law judge will make a determination that may include any of the following penalties:
There are some offenses that automatically suspend your license regardless of points gained. They are as follows:
In addition, Indiana has a Habitual Traffic Violator (HTV) law. The HTV law provides serious penalties for repeat offenders over a ten year period. Indiana has defined the criteria used to classify an HTV.
You are considered a Habitual Traffic Violator if you are convicted of any of the following within a ten year period:
* If you are convicted of a DUI resulting in death 2 times in 10 years, your license will be revoked for life.
Be aware that out of state violations are counted towards your indiana driving records for purposes of HTV classification. (example: 9 speeding tickets in indiana, 1 DUI in alabama = HTV)
If a driver is convicted of operating a vehicle while on suspension for HTV, the driver will be suspended for a court determined period, up to lifetime forfeiture.
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