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Auto Insurance

from Wetzel Insurance Agency

Auto Insurance

Indiana Drivers Are Required to Carry Liability Insurance

If you wish to register and operate a car or truck in Indiana, you must by law have at least the minimum required auto liability insurance:

  • Bodily injury liability: Minimum of $25,000 per person and $50,000 per accident
  • Property damage liability: Minimum of $25,000 per accident
  • Uninsured motorist bodily Injury: Minimum of $25,000 per person and $50,000 per accident
  • Uninsured motorist property damage: Minimum of $25,000 per accident
  • Underinsured motorist bodily injury: Minimum of $50,000 per person and $50,000 per accident

This is designed to protect you and other motorists on the road. Without insurance, you’d have to pay for an accident out of your own pocket, which most folks can’t afford to do.

The amounts above are the minimum liability insurance you must carry. We often recommend upping that coverage if you have a young driver in the household, if you are a high-net-worth individual, or if you drive more than the average person.

You Can Increase Your Protection With Full Coverage Auto Insurance

We also encourage our Indiana clients to purchase full coverage auto insurance for greater protection. Full coverage insurance includes:

  • Collision insurance to cover damage to your own vehicle and get you back on the road quickly after an accident
  • Comprehensive insurance in case of damage or loss to fire, storms, vandalism, or theft

If you’re financing your vehicle, be aware that your lender will probably require full coverage insurance. However, if you rely on your car or truck for daily activities, it just makes good sense.

Independent Agents Are Best for Customized Auto Policies

Unlike those big insurance companies, independent agents have a couple of benefits you’ll definitely enjoy. First, we work with all the major carriers, but we aren’t tied to any single one. So, we can give you a wider selection of auto insurance products.

Also, we are known for our personalized service. We take the time to learn about your insurance needs, so you get the coverage you want, tailored to your household. To start a policy or learn more about Indiana auto insurance, call Wetzel Insurance Agency at 574-267-6183 today, or reach out online at your convenience.