What Is Non-standard Auto Insurance?

Non-standard auto insurance can provide a solution for drivers who don’t qualify for standard insurance policies for various reasons.

How Non-Standard Auto Insurance Works

Non-standard auto insurance caters to drivers whom insurers consider high-risk, including individuals with a history of traffic violations. It works similarly to standard auto insurance but is specifically designed to address the increased risk that the driver will file a claim or cause an accident. Non-standard auto insurance premiums are typically higher, reflecting the elevated risk.

What Non-Standard Auto Insurance Covers

The coverage offered by non-standard auto insurance policies may help cover the following:

• Liability for bodily injury and property damage is essential for meeting state minimum requirements.
• Uninsured and underinsured motorist coverage may provide financial protection if you’re involved in an accident with a driver who lacks adequate insurance.
• Comprehensive and collision coverage includes additional protection against various damages to your vehicle, which may be available.

This list is not exhaustive. Your agent may recommend tailoring your non-standard auto insurance coverage to include additional policies and endorsements.

Is Auto Insurance Required in Indiana?

Like most other states, Indiana mandates that all drivers carry minimum levels of auto insurance to legally operate a vehicle on the roads. This requirement is in place to ensure that all drivers can cover the costs associated with damages or injuries resulting from automobile accidents.

Specifically, Indiana law requires drivers to have liability insurance, which may help cover third-party bodily injury and property damage in an accident you cause. The state sets the minimum liability limits, which must be maintained once the vehicle is registered.

In addition to the basic liability coverage, Indiana encourages uninsured and underinsured motorist coverage. Drivers can reject this coverage in writing.

Failure to carry the required auto insurance in Indiana can result in various penalties, including fines, license suspension and even vehicle registration suspension. Therefore, it’s legally necessary and financially prudent for Indiana drivers to ensure they have the appropriate auto insurance coverage.

Contact Us

Auto Insurance Express in Jeffersonville, Indiana, is here to assist if you’re exploring non-standard auto insurance coverage. We specialize in tailoring non-standard auto insurance policies to fit our clients’ unique situations. Contact us today to discuss your options and receive a personalized non-standard auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.