Key Indiana facts: Insurance & Collisions
Operating without proof of the state minimum insurance brings driving privilege suspensions and financial penalties. Chapter 5, Insurance Requirements, p. 22 The state minimum per person hurt or killed is $25,000. Chapter 5, Insurance Requirements, p. 22 The state minimum is $50,000 when two or more people are hurt or killed in one accident. Chapter 5, Insurance Requirements, p. 22 The state minimum is $25,000 for property damage in one accident. Chapter 5, Insurance Requirements, p. 22 The Certificate of Compliance must be received and processed within 90 days of the BMV's mailing or privileges are suspended. Chapter 5, Insurance Requirements, p. 22 Sample Insurance & Collisions questions
What is the reinstatement fee for a third no-insurance suspension after Jan. 1, 2015?
Show the answer
$1,000
Third and later suspensions cost $1,000 to reinstate.
Source: Indiana Driver's Manual, Chapter 5, No-Insurance Reinstatement Fees, p. 23
How long do you have for a Certificate of Compliance to reach and be processed by the BMV after its request?
180 days 30 days 10 days 90 days Show the answer
90 days
If it isn't received and processed within 90 days of the BMV's mailing, your privileges will be suspended.
Source: Indiana Driver's Manual, Chapter 5, Insurance Requirements, p. 22
Driving without the minimum liability insurance in Indiana can lead to what?
A required vision test A warning with no penalty Loss of your voter registration Suspended driving privileges Show the answer
Suspended driving privileges
Besides being illegal, it brings driving privilege suspensions and reinstatement fees.
Source: Indiana Driver's Manual, Chapter 5, Insurance Requirements, p. 22
An indefinite no-insurance suspension can be ended by keeping an SR22 on file continuously for how long?
Three years 90 days 180 days 30 days Show the answer
180 days
The SR22 stays the suspension, and 180 continuous days of it ends the suspension.
Source: Indiana Driver's Manual, Chapter 5, SR22 Requirement Period, p. 23
What is Indiana's minimum liability coverage if two or more people are hurt or killed in one accident?
$50,000 $75,000 $100,000 $25,000 Show the answer
$50,000
The middle number of 25/50/25 is $50,000 per accident for two or more people.
Source: Indiana Driver's Manual, Chapter 5, Insurance Requirements, p. 22
A crash with no injuries happens on the traveled part of a highway. What must you do with your car?
Leave it until police arrive Leave it for the tow service Move it off the highway nearby Drive it to the next exit Show the answer
Move it off the highway nearby
Without injuries, hazardous materials or entrapment, move the vehicle off the highway close to the accident.
Source: Indiana Driver's Manual, Chapter 8, What to Do After an Accident, p. 58
What is the reinstatement fee for a first no-insurance suspension after Jan. 1, 2015?
Show the answer
$250
The fee is $250 for the first such suspension, and it grows after that.
Source: Indiana Driver's Manual, Chapter 5, No-Insurance Reinstatement Fees, p. 23
You hit an unattended vehicle and can't locate its owner after trying. What must you do?
Mail a report next month Drive to the BMV branch Call a law enforcement agency Leave and wait for a letter Show the answer
Call a law enforcement agency
If the owner can't be found, contact law enforcement to give the information.
Source: Indiana Driver's Manual, Chapter 8, What to Do After an Accident, p. 58
What is Indiana's minimum liability coverage for property damage in one accident?
$10,000 $50,000 $5,000 $25,000 Show the answer
$25,000
The last number of 25/50/25 is $25,000 for property damage.
Source: Indiana Driver's Manual, Chapter 5, Insurance Requirements, p. 22
You are in a collision. What must you do first under Indiana's rules?
Stop at or close to the scene Leave if it wasn't your fault Call your insurer, then drive on Drive home and then report it Show the answer
Stop at or close to the scene
A driver in an accident must stop at once or as close as possible and stay at the scene.
Source: Indiana Driver's Manual, Chapter 8, What to Do After an Accident, p. 58
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About these questions
We wrote these practice questions from the facts in the Indiana Driver's Manual (Published July 2026 (back cover), read 2026-11-08. Page numbers in facts are the ones printed in the manual; PDF page = printed page + 5. edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.
DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Indiana Bureau of Motor Vehicles (BMV), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
