Proof of Insurance
Indiana motorists are required to provide proof of insurance when they are involved in any of these situations. The proof must be electronically submitted to the BMV by the motorist’s insurance provider.
- An auto accident.
- A traffic ticket within one year of receiving two other traffic tickets.
- A serious traffic violation such as a misdemeanor or felony.
- Any traffic violation by a driver who was previously suspended for failing to provide proof of financial responsibility.
When a motorist's driving privileges are suspended after being convicted of certain major offenses, such as operating while intoxicated or leaving the scene of an accident, the driver must have his or her insurance provider electronically submit an SR-22 Proof Of Insurance form to the BMV before his or her driving privileges can be reinstated. The BMV will notify the motorist when an SR-22 form must be filed.
A valid SR-22 form must be maintained for a period of three years with the BMV following the end of the suspension for the major offense. If the BMV receives an insurance cancellation notice or does not have a current SR-22 on file at any time during the three-year period after reinstatement, the motorist’s driving privileges will again be suspended.
Self-Insurance
The self-insurance administrator at companies/organizations, with a current BMV-issued Certificate of Self-Insurance, must mail or fax the information below when the BMV requests proof of financial responsibility.
- A copy of the current BMV-issued Certificate of Self-Insurance
- On company/organization letterhead, provide the following information:
- Name of driver involved in accident, his/her driver’s license number and birth date
- Year and make of the vehicle involved in the accident
- Date of the accident
