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CENTER GROUP
Since 1999
Bloomington | Ellettsville | Salem 812-337-7637
Auto Insurance Questions

Auto Insurance FAQ

Answers to common questions about auto insurance coverage, discounts, claims, full coverage, and policy options.

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Auto insurance coverage needs vary based on factors such as your vehicle, drivers on your policy, deductible preference, assets, budget, and risk tolerance. Our team can help you review liability limits, physical damage coverage, and optional coverage choices.

Yes. Indiana law requires all drivers to maintain financial responsibility while operating a motor vehicle. Most drivers satisfy this requirement by carrying auto liability insurance.

Indiana's minimum liability limits are commonly referred to as 25/50/25:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more people in a single accident
  • $25,000 for property damage in a single accident

While these limits satisfy Indiana's legal requirements, many insurance professionals recommend higher liability limits because medical expenses, lawsuits, and vehicle repair costs can quickly exceed the state minimums.

For many Indiana households, liability limits such as 100/300/100 or higher may provide significantly greater financial protection after a serious accident.

The best way to compare auto insurance is to review coverage, limits, deductibles, discounts, and carrier options. Insurance Center Group is an independent agency, so we can help comparison shop coverage options for you.

Many insurance companies offer discounts for things such as clean driving history, multi-policy bundling, good students, certain vehicle safety features, paid-in-full billing, and other eligibility factors. Discounts vary by carrier.

“Full coverage” is not a specific policy type. People commonly use the phrase to describe a policy that includes liability, collision, and comprehensive coverage. Even then, every policy has limits, exclusions, deductibles, and conditions.

Coverage typically starts on the effective date shown on your policy declarations page. Coverage cannot usually be backdated. Always confirm your effective date before assuming coverage is active.

A single accident does not automatically mean your policy will be canceled. However, claims activity, driving history, payment history, and carrier underwriting rules can affect future eligibility, pricing, or renewal decisions.

First, make sure everyone is safe and call 911 if anyone is injured. Move to a safe location if possible, contact the police, exchange information, take photos, and report the claim to your insurance company or contact our office for guidance.

If your vehicle is stolen, contact the police immediately and file a report. If your policy includes comprehensive coverage, theft may be covered subject to your deductible and policy terms.

Coverage can vary depending on the vehicle, permission, policy language, and circumstances. In many cases, insurance follows the vehicle first, but your own policy may also apply in certain situations. Ask our office if you are unsure.

Yes. Vehicle type, cost to repair, safety features, theft risk, engine size, claim history, and usage can all affect auto insurance premiums.

Insurance Center Group can help you compare auto insurance options from multiple carriers. You can request a quote online, call us at 812-337-7637, or contact one of our local offices.

Need Help With Auto Insurance?

Our local team can help you compare auto insurance options and answer questions about coverage, discounts, claims, and policy changes.

Get An Auto Quote Call 812-337-7637