Auto Insurance Coverage
Why the State Minimum Isn’t Enough. Indiana requires all drivers to carry at least 25/50/25 in liability coverage, but these limits haven’t kept pace with rising costs.
🚗 Indiana’s State Minimum Requirements
$25k
$50k
$25k
Bodily Injury Per Person
Bodily Injury Per Accident
Property Damage
🚫 Why the Minimum Isn’t Enough Today: Recent years have seen dramatic increases in repair costs. A single hospitalized multi-car accident can easily exceed $100,000, leaving you personally responsible if you only carry the legal minimum.
🛡️ Protecting What Matters: We recommend increasing limits to 100/300/100 to safeguard your lifestyle. Upgrading ensures you're protecting your family and everything you’ve worked hard for.
Why Adequate Coverage Matters Today
Rising Repair Costs
The cost of vehicles and repairs has increased dramatically. A single accident involving a newer vehicle can easily exceed $25,000 in property damage alone.
Medical Inflation
Medical bills from even a moderate injury can surpass state limits. Experts note that a single hospitalization can exceed $100,000 today.
Personal Liability
Meeting the legal minimum keeps you compliant but won't necessarily keep you protected. You remain personally responsible for any difference in costs.
Protecting What Matters: Choosing the Right Coverage
To safeguard your finances, assets, and peace of mind, insurance professionals recommend liability limits of at least 100/300/100.
Protecting What Matters
Indiana law mandates minimum liability limits, but experts note that medical bills and repair costs can easily exceed these standards. Reach out to secure a policy that truly safeguards your family and assets.
Contact Us
Email: denise.cig@proton.me
Location: Licensed in Indiana and New York
Phone: 812-727-4611