You don’t have to think about car insurance until and unless you think of registering the newly bought car. There is a particular motorist insurance coverage that you have to buy prior to the vehicle registration. If you don’t show any proof of insurance to the state of Indiana the registration process will never start. You will need to buy a liability insurance of twenty five thousand dollars for bodily injury to one person and fifty thousand dollars for injuries to more than one person.

There is no need to say that you need to buy another insurance coverage of ten thousand dollars for car damages. Indiana has developed its networking systems profoundly. The BMV is equipped with Electronic Insurance Forms Submission. This is a special program. It reduces the work of insurance agents a lot. He will be able to carry out the processes quickly and effectively. So always look for an insurance agent who is registered with the EIFS program. You will not have to worry about anything then. He will be able to do all the work by electronically providing the details through the EIFS program.

The importance of an insurance agent in Indiana:

But you cannot do this on your own. You have to seek help from an insurance agent. The BMV will not consider your car insurance as valid if an authorized insurance company or agent doesn’t contact the BMV on your behalf. But you can see the information details on the website of BMV. Maybe you are not sure about your current insurance status. Log in to the website of BMV. Sign up for an account and you will able to access and update all information regarding insurance.

But, even after all this it is your duty to provide all the documents to the BMV stating that you have bought required insurance. Keep an insurance identification card in the car. If in case you are not able to show a proof when you are held up by a police officer then the BMV will take action against you. The department will issue you a Certificate of Compliance. It will depend on your insurance agent how he saves you from the accusations and proves to the BMV that you were carrying an insurance coverage during the particular period. The BMV gives forty days to do all this.

There are penalties for not renewing the insurance coverage or canceling the insurance without buying any alternative insurance. Your license may be suspended for ninety days to one year. There are various kinds of fines depending on the no of times you repeat a particular offence. A fine of one hundred and fifty dollars is imposed if a person is a first time offender. A fine of two hundred and twenty five dollars and three hundred dollars is imposed for the second and subsequent offences.

Be a bit alert about insurance policy dates and renewals. If you do not take care of small particular details you will be harassed for no reason.