Do You Need Insurance to Drive?

You must carry insurance if you drive a vehicle.

Any person in charge of a vehicle must be able to show that there is a valid insurance policy on the driver or the car, or--in some states--that the driver meets financial responsibility bond requirements. Countries differ in their methods of insurance, but whichever method applies, you cannot legally drive a vehicle without insurance.

State Minimum

In the United States, you must meet or exceed your state's minimum insurance requirements to drive your vehicle on the road. Each state has its own legal minimum liability requirements, so minimum coverage depends on the state you live in.

Financial Responsibility

Some states, such as Indiana, do not have a specific legal minimum for insurance, but you must be able to provide either a valid insurance policy or a bond stating that you claim full financial responsibility for any damages caused by an accident. This signed and notarized bond proves you have the funds available.

Extra Insurance

Many states recommend that aside from the minimum, you also have extra protection for collision waiver and damage. Insuring over and above the state requirements can protect you against further damage in an accident. Whichever form of insurance or responsibility you choose, do remember that it is an offense to drive without insurance.

References

• AutoInsuranceTips.com: Minimum Coverage
• AutoInsuranceTips.com: Indiana