Indiana Code

Ind. Code § 27-7-5-2 (2026)

Uninsured and underinsured motorist coverage; required coverage; rejection; exemptions; umbrella policies

✓ current as of May 2026

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Sec. 2. (a) Except as provided in subsections (d), (f), and (h), the insurer shall make available, in each automobile liability or motor vehicle liability policy of insurance which is delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state, insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person and for injury to or destruction of property to others arising from the ownership, maintenance, or use of a motor vehicle, or in a supplement to such a policy, the following types of coverage:

(1) in limits for bodily injury or death and for injury to or destruction of property not less than those set forth in IC 9-25-4-5 under policy provisions approved by the commissioner of insurance, for the protection of persons insured under the policy who are legally entitled to recover damages from owners or operators of uninsured or underinsured motor vehicles because of bodily injury, sickness or disease, including death, and for the protection of persons insured under the policy who are legally entitled to recover damages from owners or operators of uninsured motor vehicles for injury to or destruction of property resulting therefrom; or

(2) in limits for bodily injury or death not less than those set forth in IC 9-25-4-5 under policy provisions approved by the commissioner of insurance, for the protection of persons insured under the policy provisions who are legally entitled to recover damages from owners or operators of uninsured or underinsured motor vehicles because of bodily injury, sickness or disease, including death resulting therefrom.

The uninsured and underinsured motorist coverages must be provided by insurers for either a single premium or for separate premiums, in limits at least equal to the limits of liability specified in the bodily injury liability provisions of an insured's policy, unless such coverages have been rejected in writing by the insured. However, underinsured motorist coverage must be made available in limits of not less than fifty thousand dollars ($50,000). At the insurer's option, the bodily injury liability provisions of the insured's policy may be required to be equal to the insured's underinsured motorist coverage. Insurers may not sell or provide underinsured motorist coverage in an amount less than fifty thousand dollars ($50,000). Insurers must make underinsured motorist coverage available to all existing policyholders on the date of the first renewal of existing policies that occurs on or after January 1, 1995, and on any policies newly issued or delivered on or after January 1, 1995. Uninsured motorist coverage or underinsured motorist coverage may be offered by an insurer in an amount exceeding the limits of liability specified in the bodily injury and property damage liability provisions of the insured's policy.

(b) A named insured of an automobile or motor vehicle liability policy has the right, in writing, to:

(1) reject both the uninsured motorist coverage and the underinsured motorist coverage provided for in this section; or

(2) reject either the uninsured motorist coverage alone or the underinsured motorist coverage alone, if the insurer provides the coverage not rejected separately from the coverage rejected.

A rejection of coverage under this subsection by a named insured is a rejection on behalf of all other named insureds, all other insureds, and all other persons entitled to coverage under the policy. No insured may have uninsured motorist property damage liability insurance coverage under this section unless the insured also has uninsured motorist bodily injury liability insurance coverage under this section. Following rejection of either or both uninsured motorist coverage or underinsured motorist coverage, unless later requested in writing, the insurer need not offer uninsured motorist coverage or underinsured motorist coverage in or supplemental to a renewal or replacement policy issued to the same insured by the same insurer or a subsidiary or an affiliate of the originally issuing insurer. Renewals of policies issued or delivered in this state which have undergone interim policy endorsement or amendment do not constitute newly issued or delivered policies for which the insurer is required to provide the coverages described in this section.

(1) that the named insured is rejecting:

(A) the uninsured motorist coverage;

(B) the underinsured motorist coverage; or

that would otherwise be provided under the policy; and

(2) the date on which the rejection is effective.

(d) The following apply to the coverage described in subsection (a) in connection with a commercial umbrella or excess liability policy, including a commercial umbrella or excess liability policy that is issued or delivered to a motor carrier (as defined in IC 8-2.1-17-10) that is in compliance with the minimum levels of financial responsibility set forth in 49 CFR Part 387:

(1) An insurer is not required to make available in a commercial umbrella or excess liability policy the coverage described in subsection (a).

(2) An insurer that, through a rider or an endorsement, reduces or removes from a commercial umbrella or excess liability policy the coverage described in subsection (a) shall:

(A) through the United States mail; or

(B) by electronic means;

provide to the named insured written notice of the reduction or removal.

(3) An insurer that makes available in a commercial umbrella or excess liability policy the coverage described in subsection (a):

(A) may make available the coverage in limits determined by the insurer; and

(B) is not required to make available the coverage in limits equal to the limits specified in the commercial umbrella or excess liability policy.

(e) A rejection under subsection (b) of uninsured motorist coverage or underinsured motorist coverage in an underlying commercial policy of insurance is also a rejection of uninsured motorist coverage or underinsured motorist coverage in a commercial umbrella or excess liability policy.

(f) An insurer is not required to make available the coverage described in subsection (a) in connection with coverage that:

(1) is related to or included in a commercial policy of property and casualty insurance described in Class 2 or Class 3 of IC 27-1-5-1; and

(2) covers a loss related to a motor vehicle:

(A) of which the insured is not the owner; and

(B) that is used:

(i) by the insured or an agent of the insured; and

(ii) for purposes authorized by the insured.

(g) For purposes of subsection (f), "owner" means:

(1) a person who holds the legal title to a motor vehicle;

(2) a person who rents or leases a motor vehicle and has exclusive use of the motor vehicle for more than thirty (30) days;

(3) the conditional vendee or lessee under an agreement for the conditional sale or lease of a motor vehicle; or

(4) the mortgagor under an agreement for the conditional sale or lease of a motor vehicle under which the mortgagor has:

(A) the right to purchase; and

(B) an immediate right of possession of;

the motor vehicle upon the performance of the conditions stated in the agreement.

(h) The following apply to the coverage described in subsection (a) in relation to a personal umbrella or excess liability policy:

(1) An insurer is not required to make available the coverage described in subsection (a) under a personal umbrella or excess liability policy.

(2) An insurer that reduces or removes, through a rider or an endorsement, coverage described in subsection (a) under a personal umbrella or excess liability policy shall:

(A) through the United States mail; or

(B) by electronic means;

provide to the named insured written notice of the reduction or removal.

(3) An insurer that makes available the coverage described in subsection (a) under a personal umbrella or excess liability policy:

(A) may make available the coverage in limits determined by the insurer; and

(B) is not required to make available the coverage in limits equal to the limits specified in the personal umbrella or excess liability policy.

(4) A rejection under subsection (b) of uninsured motorist coverage or underinsured motorist coverage in an underlying personal policy of insurance is also a rejection of uninsured motorist coverage or underinsured motorist coverage in a personal umbrella or excess liability policy.

As added by Acts 1982, P.L.166, SEC.1. Amended by P.L.391-1987(ss), SEC.1; P.L.5-1988, SEC.145; P.L.2-1991, SEC.88; P.L.1-1992, SEC.151; P.L.1-1993, SEC.203; P.L.130-1994, SEC.41; P.L.116-1994, SEC.56; P.L.233-1999, SEC.8; P.L.124-2009, SEC.1; P.L.116-2011, SEC.2; P.L.125-2012, SEC.403; P.L.148-2013, SEC.1; P.L.208-2018, SEC.9; P.L.130-2020, SEC.13.

Notes of Decisions

Cited in 118 cases (10 in the last 5 years), 1982–2026 · leading case: United Nat'l Ins. v. DePrizio, 705 N.E.2d 455 (Ind. 1999).

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United Nat'l Ins. v. DePrizio, 705 N.E.2d 455 (Ind. 1999). · cites it 32× “” United National contends that its umbrella policy is not an “automobile liability policy” as envisioned in Ind.Code § 27-7-5-2. United National urges this court to adopt its view that “[ujmbrella coverage is only *459 meant to protect the insured against claims from third…”

State Farm Mut. Auto. Ins. Co. v. Steury, 787 N.E.2d 465 (Ind. Ct. App. 2003). · cites it 54× “" Ind.Code § 27-7-5-2. State Farm sent Esther a document entitled "Important Information About Underinsured Motor Vehicle Coverage" with the first premium-due notice after January 1, 1995.”

Little v. Progressive Ins., 783 N.E.2d 307 (Ind. Ct. App. 2003). · cites it 31× “Little claims that because she did not fill out the rejection form and return it to Progressive, Progressive was required to provide uninsured motorist coverage to her under Ind.Code § 27-7-5-2. Progressive argues that because Larriba was the named insured and because he…”

State Farm Fire & Cas. Co. v. Garrett, 783 N.E.2d 329 (Ind. Ct. App. 2003). · cites it 41× “Specifically, the trial court found that "uninsured motorist coverage as mandatory under the provisions of Indiana Code 27-7-5-2 was not rejected as to the named insured, [Bar-baral.”

Am. Fam. Mut. Ins. Co. v. Federated Mut. Ins. Co., 775 N.E.2d 1198 (Ind. Ct. App. 2002). · cites it 18× “American Family also claimed that Federated’s position that uninsured motorist coverage applied only to directors, officers, partners, and owners of the named insured and his or her family members violated Ind.Code § 27-7-5-2. Federated filed its Response to American Family’s…”

Balagtas v. Bishop, 910 N.E.2d 789 (Ind. Ct. App. 2009). · cites it 24× “Federated presents the following restated issue for our review: whether the trial court erred in its interpretation of Indiana Code section 27-7-5-2 as requiring a named insured's election or rejection of uninsured or underinsured motorist ("UM/UIM") coverage to apply to all…”

State Farm Mut. Auto. Ins. Co. v. D'Angelo, 875 N.E.2d 789 (Ind. Ct. App. 2007). · cites it 28× “Even if Jelana's *801 emotional distress is not a bodily injury, should it not be classified under sickness or disease.”

Skrzypczak v. State Farm Mut. Auto. Ins. Co., 668 N.E.2d 291 (Ind. Ct. App. 1996). · cites it 18× “IC. § 27-7-5-2. Onee rejected, the insured need not offer the "underinsured motorist coverage in or supplemental to a renewal policy in connection with a policy previously issued to the same insured.”

City of Gary v. Allstate Ins. Co., 612 N.E.2d 115 (Ind. 1993). · cites it 17× “I.C. § 27-7-5-2 added the requirement that insurance policies initially provide uninsured motorist coverage.”

Loomis v. ACE Am. Ins. Co., 91 F.4th 565 (2d Cir. 2024). · cites it 10× “Law § 3420 (f)(1) (New York UM/UIM requirements apply to insurance on motor vehicles “principally garaged or principally used in” New York); 2 Ind. Code § 27-7-5-2 (a) (Indiana UM/UIM requirements apply “to any motor vehicle registered or principally garaged” in Indiana).”

Howard Just. v. Am. Fam. Ins. Co., 4 N.E.3d 1171 (Ind. 2014). · cites it 10× “50 Justice received in workers’ compensation and disability benefits.”

Empire Fire & Marine Ins. Co. v. Charlene Frierson & Roderick Frierson, 49 N.E.3d 1075 (Ind. Ct. App. 2016). · cites it 10× “It argues that in 2009 subsection (d) was added to Ind.Code § 27-7-5-2, which specifically addresses the issue presented, and was .”

Show all 118 citing cases →

— Ind. Code § 27-7-5-2(A) — 3 cases

United Nat'l Ins. v. DePrizio, 705 N.E.2d 455 (Ind. 1999). “” United National contends that its umbrella policy is not an “automobile liability policy” as envisioned in Ind.Code § 27-7-5-2. United National urges this court to adopt its view that “[ujmbrella coverage is only *459 meant to protect the insured against claims from third…”

State Farm Mut. Auto. Ins. v. Pate, 275 F.3d 666 (7th Cir. 2001).

United Nat'l Ins. Co. v. Adele M. Deprizio (Ind. 1998).

— Ind. Code § 27-7-5-2(a) — 30 cases

Asklar v. Gilb, 9 N.E.3d 165 (Ind. 2014).

Howard Just. v. Am. Fam. Ins. Co., 4 N.E.3d 1171 (Ind. 2014). “50 Justice received in workers’ compensation and disability benefits.”

Progressive Halcyon Ins. Co. v. Petty, 883 N.E.2d 854 (Ind. Ct. App. 2008).

Lakes v. Grange Mut. Cas. Co., 944 N.E.2d 509 (Ind. Ct. App. 2011).

— Ind. Code § 27-7-5-2(a)(1) — 3 cases

State Farm Mut. Auto. Ins. Co. v. Jakupko, 881 N.E.2d 654 (Ind. 2008).

IDS Prop. Cas. Ins. Co. v. Kalberer, 661 N.E.2d 881 (Ind. Ct. App. 1996).

Bush v. State Fram Mut. Auto. Ins. Co., 882 N.E.2d 821 (Ind. Ct. App. 2008).

— Ind. Code § 27-7-5-2(a)(1998) — 2 cases

United Nat'l Ins. Co. v. Adele M. Deprizio (Ind. 1998).

— Ind. Code § 27-7-5-2(a)(2) — 3 cases

Troy Lee v. Liberty Mut. Fire Ins. Co., 121 N.E.3d 639 (Ind. Ct. App. 2019).

Ivey v. Massachusetts Bay Ins. Co., 569 N.E.2d 692 (Ind. Ct. App. 1991).

— Ind. Code § 27-7-5-2(a)(l) — 5 cases

State Farm Mut. Auto. Ins. Co. v. Jakupko, 881 N.E.2d 654 (Ind. 2008).

Ansert Mech. Contractors, Inc. v. Ansert, 690 N.E.2d 305 (Ind. Ct. App. 1997).

Elliott v. Allstate Ins. Co., 881 N.E.2d 662 (Ind. 2008).

IDS Prop. Cas. Ins. Co. v. Kalberer, 661 N.E.2d 881 (Ind. Ct. App. 1996).

Bush v. State Farm Mut. Auto. Ins. Co., 882 N.E.2d 821 (Ind. Ct. App. 2008).

— Ind. Code § 27-7-5-2(b) — 9 cases

Little v. Progressive Ins., 783 N.E.2d 307 (Ind. Ct. App. 2003). “Little claims that because she did not fill out the rejection form and return it to Progressive, Progressive was required to provide uninsured motorist coverage to her under Ind.Code § 27-7-5-2. Progressive argues that because Larriba was the named insured and because he…”

State Farm Mut. Auto. Ins. Co. v. Noble, 854 N.E.2d 925 (Ind. Ct. App. 2006).

Skrzypczak v. State Farm Mut. Auto. Ins. Co., 668 N.E.2d 291 (Ind. Ct. App. 1996). “IC. § 27-7-5-2. Onee rejected, the insured need not offer the "underinsured motorist coverage in or supplemental to a renewal policy in connection with a policy previously issued to the same insured.”

Balagtas v. Bishop, 910 N.E.2d 789 (Ind. Ct. App. 2009). “Federated presents the following restated issue for our review: whether the trial court erred in its interpretation of Indiana Code section 27-7-5-2 as requiring a named insured's election or rejection of uninsured or underinsured motorist ("UM/UIM") coverage to apply to all…”

State Farm Fire & Cas. Co. v. Garrett, 783 N.E.2d 329 (Ind. Ct. App. 2003). “Specifically, the trial court found that "uninsured motorist coverage as mandatory under the provisions of Indiana Code 27-7-5-2 was not rejected as to the named insured, [Bar-baral.”

— Ind. Code § 27-7-5-2(b)(l) — 1 case

Am. Fam. Mut. Ins. Co. v. Federated Mut. Ins. Co., 775 N.E.2d 1198 (Ind. Ct. App. 2002). “American Family also claimed that Federated’s position that uninsured motorist coverage applied only to directors, officers, partners, and owners of the named insured and his or her family members violated Ind.Code § 27-7-5-2. Federated filed its Response to American Family’s…”

— Ind. Code § 27-7-5-2(c) — 1 case

Kar v. Swift Transp. Co., 244 F. Supp. 3d 818 (N.D. Ind. 2017).

— Ind. Code § 27-7-5-2(d) — 7 cases

Empire Fire & Marine Ins. Co. v. Charlene Frierson & Roderick Frierson, 49 N.E.3d 1075 (Ind. Ct. App. 2016). “It argues that in 2009 subsection (d) was added to Ind.Code § 27-7-5-2, which specifically addresses the issue presented, and was .”

Loomis v. ACE Am. Ins. Co., 91 F.4th 565 (2d Cir. 2024). “Law § 3420 (f)(1) (New York UM/UIM requirements apply to insurance on motor vehicles “principally garaged or principally used in” New York); 2 Ind. Code § 27-7-5-2 (a) (Indiana UM/UIM requirements apply “to any motor vehicle registered or principally garaged” in Indiana).”

Troy Lee v. Liberty Mut. Fire Ins. Co., 121 N.E.3d 639 (Ind. Ct. App. 2019).

William Loomis v. ACE Am. Ins. Co. (Ind. 2024).

Loomis v. ACE Am. Ins. Co. (N.D.N.Y. 2021).

— Ind. Code § 27-7-5-2(e) — 1 case

Loomis v. ACE Am. Ins. Co. (N.D.N.Y. 2021).

— Ind. Code § 27-7-5-2(f) — 1 case

Diane Proctor-Fleece, & Sentry Ins. v. Zachary Personett, West Cent. Indiana Plumbing d/b/a Justin Dorsey Plumbing, & Sentry Ins. A Mut. Co. (mem. dec.) (Ind. Ct. App. 2018).

— Ind. Code § 27-7-5-2(h) — 1 case

Troy Lee v. Liberty Mut. Fire Ins. Co., 121 N.E.3d 639 (Ind. Ct. App. 2019).

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