According to the Indiana Driver's Manual the extent of driving privileges with an IN learner's permit depends upon the age of the holder. If:

• the holder is less than 18 years of age, he or she may practice driving only while the front passenger seat is occupied by a parent, guardian, stepparent or other relative with a valid driver license in his or her possession; or if
• the holder is at least 18 years of age; he or she may practice driving only while the front passenger seat is occupied by any individual with a valid driver license in his or her possession.

An Indiana learner's permit does not allow you to drive alone under any circumstances.

If you were in an accident while complying with the restrictions of your learner's permit it does not appear there are penalties for being in an accident but you should check with the IN Bureau of Motor Vehicles (BMV) to make certain.

Normally if you were driving with a licensed adult, the consequences would not be any different than anyone else with a license who is involved in an accident. But, if you were not driving with a licensed driver, per the restrictions of the permit, then you will likely be facing a 'driving without a license' ticket and possible fines.

According to the Indiana BMV's points list a learner permit violation is worth 4 points plus an administrative hearing will be required.