Most drivers in Indiana do not need an SR-50. In fact, you are only required to obtain an SR-50 if you have received a notification from the state.
If you are pulled over for speeding, the police officer normally asks for a proof of insurance card at the time of the incident. If you fail to provide proof of insurance, then you will likely receive a notification in the mail requiring you to obtain an Indiana SR-50 form.
This is also true in the event of an accident when you’re found to be driving uninsured. If you were previously caught penalized for driving without insurance, then the state of Indiana may require you to carry an SR-50 Insurance Indiana to prove you have insurance.
In addition to an SR-50 for non-compliance with Indiana auto insurance laws, if your driver’s license was suspended for any reason, you may be required to obtain an SR-50. Why? As a part of getting your driver’s license reinstated, you’ll need to prove you have insurance and meet the financial responsibility laws set by the state. This proof will be in the form of an SR-50.
What is the purpose of SR-50 insurance?
SR-50 auto insurance is an Affidavit of Current Insurance. It’s proof that you have at least the minimum auto insurance coverage you’re legally required to purchase in the state of Indiana.
Both SR50 and SR-22 certificates (which we’ll discuss in the next section) verify to the Indiana BMV that you are meeting the bare minimum requirements.