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BMV > Suspension And Reinstatement > Proof Of Insurance Proof Of Insurance

Indiana law gives courts the authority to order the Bureau of Motor Vehicles to suspend a motorist’s driver license when he or she is found to have committed certain traffic violations. In most of these instances, the motorist may apply to have his or her driver's license reinstated.

By establishing an online myBMV account you gain access to your personal records and a number of services, including the ability to print your driver record, pay reinstatement fees online, and update your address and insurance information.

Indiana motorists are required to show proof of insurance to the BMV through their insurance carrier when they are involved in the following situations:

  • An auto accident resulting in damages of $1,000 or more.
  • A traffic ticket within one year of receiving two other traffic tickets.
  • A serious traffic violation (i.e. a misdemeanor or felony).
  • A violation while his/her driver's license was previously suspended for violation of the proof of the financial responsibility.

When a motorist’s operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be cancelled without prior notice. A valid SR-22 Proof of Insurance form must be filed with the BMV for three years after the end of the suspension. If the BMV receives a cancellation notice or does not have a current SR-22 form on file at any time during the three-year period after reinstatement, the motorist’s driving privileges will become suspended again.

If a motorist is convicted of driving while suspended, the violation carries a mandatory minimum suspension of 90 days served concurrently with any other suspensions.

Still have questions? Contact the BMV

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