Indiana Code
Ind. Code § 9-25-4-5 (2026)
Minimum amounts of financial responsibility
✓ current as of May 2026
Sec. 5. Except as provided in section 6 of this chapter, the minimum amounts of financial responsibility are as follows:
(1) Subject to the limit set forth in subdivision (2), twenty-five thousand dollars ($25,000) for bodily injury to or the death of one (1) individual.
(2) Fifty thousand dollars ($50,000) for bodily injury to or the death of two (2) or more individuals in any one (1) accident.
(3) Before July 1, 2018, ten thousand dollars ($10,000) for damage to or the destruction of property in one (1) accident. Beginning July 1, 2018, twenty-five thousand dollars ($25,000) for damage to or the destruction of property in one (1) accident.
[Pre-1991 Recodification Citation: 9-2-1.5-3.]
As added by P.L.2-1991, SEC.13. Amended by P.L.124-2016, SEC.2; P.L.24-2017, SEC.2.
Notes of Decisions
Cited in 22
cases (2 in the last 5 years), 1995–2026 · leading case: N. Indiana Pub. Serv. Co. v. Bloom, 847 N.E.2d 175 (Ind. 2006).
N. Indiana Pub. Serv. Co. v. Bloom, 847 N.E.2d 175 (Ind. 2006). “(2) Fifty thousand dollars ($50,000) for bodily injury to or the death of two (2) or more individuals in any one (1) accident.”
United Nat'l Ins. v. DePrizio, 705 N.E.2d 455 (Ind. 1999). “Ind.Code § 9-25-4-5 prescribes the minimum amounts of financial responsibility required for bodily injury or death and for damage to, or the destruction of, property.”
State Farm Mut. Auto. Ins. Co. v. D'Angelo, 875 N.E.2d 789 (Ind. Ct. App. 2007). “o 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…”
Lakes v. Grange Mut. Cas. Co., 944 N.E.2d 509 (Ind. Ct. App. 2011). “As part of the Act, Indiana Code § 9-25-4-5 outlines the minimum amounts of financial responsibility required for persons who register or operate motor vehicles on Indiana roads, streets, or highways.”
Am. Fam. Ins. Co. v. Globe Am. Cas. Co., 774 N.E.2d 932 (Ind. Ct. App. 2002). “Indiana Code § 9-25-4-5 “outlines the minimum amounts of financial responsibility required for persons who register or operate motor vehicles on Indiana roads, streets or highways.”
Progressive Ins. Co., Inc. v. Bullock, 841 N.E.2d 238 (Ind. Ct. App. 2006). “6 Ind.Code § 9-25-4-5(2). Allowing Progressive to set off the amounts paid to Jones by Kemp leaves the Bullocks with $25,500 less than the statutory minimum.”
Johnson v. AAA Chicago Motor Club Ins., 699 N.E.2d 1182 (Ind. Ct. App. 1998). “There is also no dispute about the fact that Rick Johnson did not reject in writing the provision for under-insured motorist coverage in his policy.”
N. Indiana Pub. Serv. Co. v. Bloom, 816 N.E.2d 887 (Ind. Ct. App. 2004). “Ind.Code § 9-25-4-5 (emphasis added). 6 Because there was bodily injury to more than one individual and there was also property damage, NIPSCO contends that its liability should have been limited to $60,000-$50,000 for bodily injury and $10,000 for property damage.”
Matteson v. Citizens Ins. Co. of Am., 844 N.E.2d 188 (Ind. Ct. App. 2006). “Ind.Code § 9-25-4-5 (2004) provides that the "minimum amount[ ] of financial responsibility" is "twenty-five thousand dollars ($25,000) for bodily injury to or the death of one (1) individual.”
Nat'l Gen. Ins. v. Riddell, 705 N.E.2d 465 (Ind. Ct. App. 1998). “Ind.Code § 9-25-4-5. 3 . Although trial court findings entered in summary judgment proceedings aid appellate review, they are not binding upon this court.”
Progressive Halcyon Ins. Co. v. Petty, 883 N.E.2d 854 (Ind. Ct. App. 2008). “]” The limits set forth in Indiana Code Section 9-25-4-5 are “twenty-five thousand dollars ($25,000) for bodily injury to or the death of one (1) individual” and “[fjifty thousand dollars ($50,000) for bodily injury to or the death of two (2) or more individuals in any one…”
State Farm Mut. Auto. Ins. Co. v. Leybman, 777 N.E.2d 763 (Ind. Ct. App. 2002). “Ind.Code § 9-25-4-5(1). The purpose of the UIM Statute has repeatedly informed Indiana appellate court interpretation of automobile insurance contracts.”
— Ind. Code § 9-25-4-5(1) — 2 cases
State Farm Mut. Auto. Ins. Co. v. Leybman, 777 N.E.2d 763 (Ind. Ct. App. 2002). “Ind.Code § 9-25-4-5(1). The purpose of the UIM Statute has repeatedly informed Indiana appellate court interpretation of automobile insurance contracts.”
Michael Cline v. Everest Nat'l Ins. Co. (Ind. Ct. App. 2026).
— Ind. Code § 9-25-4-5(2) — 1 case
Progressive Ins. Co., Inc. v. Bullock, 841 N.E.2d 238 (Ind. Ct. App. 2006). “6 Ind.Code § 9-25-4-5(2). Allowing Progressive to set off the amounts paid to Jones by Kemp leaves the Bullocks with $25,500 less than the statutory minimum.”
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