Driving under influence or driving while intoxicated are the worst offences that you should not be convicted of since it could tarnish your driving records and your insurance policy. Furthermore, you have to face the consequences from the law and your insurance company. Under the law of Indiana State, it is the court that makes the judgement on who the guilty party on the case filed. The party who made the offense will be responsible for the damages causes in the accident.
There are many clauses that have a role in having Indianapolis cheap car insurance. First, your car insurance policy needs to have DWI/DUI conviction coverage. IN claim policy under DWI or DUI is used to possibly file a claim in case of doing the violation. If you are found guilty in the accident, you won’t be able to make claims for comprehensive clause even if the coverage for the damages is paid under the insurance policy. But if you have DUI coverage, filing for claim to cover for the damage caused to you and your vehicle in the accident is possible.
If the third party is found to be one guilty in the process of conviction, he is obliged to make use of his own insurance policy to pay for your damages. Still, you can make claims to your own IN car insurance but this could lead to an increase on your premium.
The amount the companies pay out is the limited liability coverage as specified in the policy. This liability coverage is in line with the minimum coverage of the state of Indiana. It is important to at least have the minimum coverage which is 25/50/10. It is considerably higher than the other states since Indiana is considered accident prone due to many vehicles crossing its roads.
Once your insurance company found that you are the one who made the offense in the incident, they could cancel your car insurance policy as soon as they have fulfilled all the coverage required. If not, they could increase your premium twice or thrice the amount of the original cost. In case your policy is cancelled, you need to get the SR 22 insurance to be able to drive.
