Indiana is NOT a no-fault insurance state. Indiana is a tort state.
The State of Indiana follows a tort system which basically means someone must be found to be at fault for causing the accident, and that person and their car insurance company is responsible for the damages they caused, up to the limits of that person's car insurance policy.
- Bodily Injury Liability limits of $25,000 per injured person
- Bodily Injury Liability limits of $50,000 per accident
- Property Damage Liability coverage with a minimum limit of $10,000
No-Fault states required Personal Injury Protection (PIP) or Medical Payments (Med Pay) which covers your own bodily injuries if in an accident, no matter who is at fault. Indiana does not required PIP or Med Pay so if you are in an accident where another driver is at-fault then that person's Bodily Injury Liability should cover your injuries, up to the limits of their policy.
While not required by the state of Indiana to be part of your car insurance policy, your automobile insurance company may offer you Medical Payments as an optional coverage you can add to your policy. Medical Payments should pay medical bills incurred by you (and usually your passengers as well) up to the limits of the policy, if you are injured while riding in vehicle.
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