Tag: Proof Of Insurance



Reader’s Question:

Can I register and insure a car with just an international license here in Indianapolis, Indiana?

Michael

Indianapolis, Indiana

 

The state of Indiana permit an individual with an international driver’s license to purchase a vehicle and then you will need to register and title the vehicle in Indiana as well.

To register the car in Indiana you need to go to a license office and provide the following:

  • Certificate of Origin
  • Proof of Insurance
  • Verification of Social Security Number
  • Proof that the car you are registering passed a vehicle emissions test if you live in specific counties.

You will also need to apply for a title for the car and you need a different requirement for that depending if the vehicle is new or used.

To purchase an insurance for the car, you will need to find an auto insurance company that will insure provide insurance with just an international license. If you get a US license from Indianapolis Indiana, it will be easy to get car insurance policy. Many insurers will let you to get a policy and give you thirty days or so to get an Indiana drivers license.






Reader’s Question:

Could you explain to me what really the risk of drunk driving is and why does someone convicted for DUI would have increased insurance rates? My uncle got a DUI conviction here in Gary, Indiana and I also heard that he needs to get an SR22 auto insurance, what is this?

Jamar

Gary, IN

Well, if there is something that could drive anyone’s car insurance cost sky-high, it would be drunk driving or DUI conviction; that’s because according to the Insurance Information Institute, there’s an alcohol-related traffic fatality in the US every 29 minutes. So, aside from the risk of killing yourself and other people, drunk driving would carry serious penalties from your car insurance company.

The state of Indiana requires DUI offenders to get a form called SR22 from their auto insurance companies, so no one can hide. Your uncle needs to get SR22 auto insurance after his DUI conviction in Gary, Indiana and this form would prove to the Department of Motor Vehicles (DMV) that he carries liability insurance and it would remove his driver’s license from suspension. The SR22 auto insurance also requires his insurance company to notify the DMV if it cancels his auto insurance for any reason. He would likely have to file proof of insurance for three years with the DMV. Right now, he might be looking for an insurance company who would give him coverage for his SR22 auto insurance so I suggest for him to get an online rate quote available from this website.






Reader’s Question:

What do you think is the best thing that I should do if I am stopped here in Hammond, Indiana for DUI and questioned by an officer after I have been drinking?

Herbert

Hammond, IN

If you are stopped by an officer in Hammond, Indiana for DUI suspicion, you are probably being videotaped. You just have to be polite and courteous because antagonizing the police officer would invite problems. If asked, you should hand the officer your license and proof of insurance. Don’t ever admit guilt, never apologize, and most especially, don’t volunteer any information. This is definitely not the perfect time to beg your way out of a traffic ticket. If you are questioned, you could respectfully tell the officer that you would not answer any questions without a lawyer present. When the officer is finished writing the ticket/warning, ask if you are free to leave.

If you are told that you are free to leave, you have to thank your lucky stars that you have not learned your lesson the hard way and next time, be on your way carefully and lawfully. Don’t drink and drive again to avoid being stopped again for DUI or if you can’t avoid drinking, you could have someone who hasn’t been drinking to drive you home safely. If you are told by the officer that you are not free to leave, you have to immediately request for a lawyer, terminate the interview and best of all, remain silent.