Note: This message is displayed if (1) your browser is not standards-compliant or (2) you have you disabled CSS. Read our Policies for more information.
Indiana law provides the courts and the BMV with the authority to suspend a motorist's driving privileges when certain traffic violations have been committed
Failing to respond to a citation issued by a law enforcement officer or not paying for a tickets after a judgment has been rendered may lead to the suspension of a your driving privileges. The suspension is indefinite and ends only when the court notifies the BMV that you appeared in court or paid for the offense.
Operating a vehicle without financial responsibility in effect is against the law. A motorist who operates a vehicle without financial responsibility in effect is subject to a 90-day suspension of driving privileges or a one-year suspension if it is a repeat violation within a three-year period. To prevent a BMV imposed suspension of driving privileges following a traffic violation or accident, the driver must have his or her insurance provider electronically submit proof of financial responsibility (Certificate of Compliance) directly to the BMV using the EIFS system. The insurance provider must note the vehicle involved and the date of the accident or ticket as requested by the BMV. If the driver is unable to provide proof of financial responsibility (Certificate of Compliance) to the BMV, the motorist must serve the suspension, pay outstanding insurance/reinstatement fees, and have his or her insurance provider electronically submit a SR22 - Proof of Future Financial Responsibility to the BMV in order to be reinstated. A court related suspension for no insurance can only be closed or removed from a driver record by order of the court.
A motorist appearing in court on a traffic violation may be requested by the court to prove insurance coverage on the date of the offense.
Upon receipt by the BMV of an accident report, a request for proof of financial responsibility will be sent to the motorist's mailing address as shown on the Official Driver Record.
Indiana motorists are required to provide proof of financial responsibility by having their insurance provider submit a Certificate of Compliance (COC) when they are involved in any of these situations below. The COC must cover the date for which proof of insurance is required. This date is indicated in the accident report or citation and the vehicle make and year must match.
In addition to the scenarios outlined above, the BMV may request proof of financial responsibility at any time. When a motorist receives a Financial Responsibility Verification request from the BMV, he/she must arrange for their insurance provider to complete the information for the request and submit the financial responsibility information (Certificate of Compliance) electronically to the BMV within 40 days. Failure to return the information will result in a suspension of the individual's driving privileges.
Indiana’s HTV law provides serious penalties for drivers who have repeatedly committed traffic offenses over a ten (10) year period. The BMV uses the criteria in statute, which are summarized below, to determine whether a driver qualifies as a HTV.
A HTV is any person who, within a ten (10) year period, accumulates two (2) judgments resulting in injury or death. Below is a reference of some of the criminal offenses that will result in an HTV status being placed on your driving privileges, these include:
Drivers who accumulate two (2) judgments within a ten (10) year period of operating a motor vehicle while intoxicated resulting in death or operating a motor vehicle with blood alcohol content of eight-hundredths (.08) percent or more resulting in death will have their driving privileges suspended for life.
Prior to June 30, 2001, drivers who accumulate two (2) judgments within a ten (10) year period for operating a motor vehicle while intoxicated resulting in death or operating a motor vehicle with blood alcohol content of ten-hundredths (.10) percent, and 210 liters of their breath, or more resulting in death will have their driving privileges suspended for life.
A HTV is any person who, within a ten (10) year period, accumulates three (3) judgments including:
Drivers who, within a ten (10) year period, accumulate three (3) judgments from the above list will have their driving privileges suspended for ten (10) years.
A HTV under this section is subject to a five (5) year driving privilege suspension and has accumulated ten (10) or more traffic violations in a ten (10) year period, one (1) of which is a major offense as listed in Sections A or B or one (1) of the following:
For example, a person with nine (9) speeding tickets and one (1) reckless driving conviction in a ten (10) year period will be subject to a five (5) year suspension as a HTV.
Indiana law provides that a person who is convicted of operating a vehicle while suspended as a HTV may have his/her driving privileges suspended for a period set by the court.
Operating a vehicle while intoxicated or with a blood alcohol content in excess of the legal limit is a criminal offense and has an immediate and significant effect on your privilege to operate a vehicle. If a law enforcement officer has probable cause to believe that a motorist committed an offense under IC 9-30-5, IC 9-30-6, IC 9-30-9, or IC 9-30-15, the officer may ask the motorist to submit to a chemical test to determine the amount of alcohol in the person’s system. A motorist for whom a judge has found probable cause exists that he or she was operating a vehicle while intoxicated may face a suspension of driving privileges. A judge may, however, order that the motorist be required to operate only with an ignition interlock device in lieu of a suspension.
A court may suspend a person’s driving privileges following a conviction for operating while intoxicated. The suspension periods may be longer for repeat offenders. Penalties for this offense may include conditions placed on your driving privileges, and the installation of an ignition interlock device.
If the motorist is eligible, the court may issue an order for probationary, conditional, hardship or specialized driving privileges. The court may require the installation of an ignition interlock device, which mechanically tests the driver’s blood alcohol level before his or her car can be started, as a condition of the probationary, conditional, hardship or specialized driving privileges.
When a driver who is younger than eighteen (18) years of age is cited for operating a vehicle while intoxicated, the Juvenile Court may recommend a suspension of his or her driving privileges.