IN

Indiana Insurance Regulations

Consumer rights and insurance laws in Indiana

Overview

Indiana Department of Insurance oversees insurance regulation and consumer protection. Indiana follows a modified comparative fault rule where claimants can recover damages as long as they are not 51% or more at fault.

Key Insurance Regulations in Indiana

  • Modified comparative fault — barred at 51% or more fault
  • 2-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 25/50/25 minimum liability

Filing an Insurance Complaint in Indiana

If you believe your insurance company has acted unfairly or violated Indiana insurance laws, you can file a complaint with the Indiana Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Indiana Department of Insurance typically responds to complaints within 30 days.

Indiana Department of Insurance

Insurance Commissioner: Amy L. Beard

Phone: (317) 232-2385

Website: https://www.in.gov/idoi/

File a Complaint: Consumer Complaint Portal

Diminished value claims in Indiana

Yes. Indiana lets you recover diminished value as part of a property-damage claim against the driver who caused the crash. You generally have two years to file suit (Ind. Code § 34-11-2-4), and under Indiana's modified comparative fault rule you recover nothing if you were more than 50% at fault.

Read the Indiana diminished value guide

Insurance Claim Guides for Indiana

Browse our detailed insurance claim guides tailored specifically to Indiana laws and regulations.

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Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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