Indiana Department of Insurance: Property and Casualty Review Standards

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IDOI > Company Compliance > Property & Casualty > Property and Casualty Review Standards Property and Casualty Review Standards

(Note: You can find Indiana statutes at www.IN.gov/legislative/ic/code and Indiana regulations at www.IN.gov/legislative/iac Bulletins are on the Department's web site.

I. General Requirements for Property and Casualty Insurance Filings

A.The insurance must fall within a listed class authorized in this State. IC 27-1-5-1. (See also Indiana Attorney General Opinion 84-3.)

B. Required provisions

IC 27-1-13-7 Notice to an authorized agent of the insurer is notice to the insurer.

IC 27-1-13-7 The insolvency or bankruptcy of insured does not release the insurer from payment of liability or property damages to a third party for loss sustained under the policy, and an injured person may bring action against insurer directly if insured is insolvent.

IC 27-1-13-7 Policy must insure owner of a motor vehicle against liability to third parties resulting from the negligence of any person legally using or operating the motor vehicle with the expressed or implied permission of the owner. (Even if the person is not a covered driver.)

IC 27-4-1-5.6 Every insurer must provide to policyholders a one-time written notice of opportunity to file a complaint with the Indiana Department of Insurance. See Bulletin 128 for sample notice.

C. Rating provisions

IC 27-4-1-4(a)(7)(C) Unfair discrimination between persons of the same class involving essentially the same hazards is prohibited.

IC 27-1-22-3 General rating requirements. Rates shall not be excessive, inadequate, or unfairly discriminatory.

IC 27-1-22-4 Filing requirements. All rates must be filed with the Department of Insurance, along with other information requested by the Department (e.g. policy forms, endorsements, etc.)

IC 27-1-22-4(j) Rates in excess of the filed rate may be used with written application of the insured (consent to rate).

IC 27-1-22-18 No deviations allowed from filed premium charges. No rebating, inducements, or discounts not specified in the policy or filed with the Department. This provision does not apply to dividends or savings returned to participating policyholders or members of a mutual insurer.

IC 26-1-3.1-502.5 Bad check charges may not exceed $20, plus amount actually charged by the depository institution. (Part of Indiana's version of the Uniform Commercial Code - Negotiable Instruments.)

D. Rating provisions specific to private passenger auto insurance

IC 27-1-22-25 Higher rate may not be set based on a policyholder or applicant's voluntary petition under the federal bankruptcy law. (Note: this is particularly important in the use of credit scoring in Indiana - bankruptcy may not be part of the equation.)

IC 27-1-22-26 Higher rate may not be set because an individual has not been covered by auto insurance for a period of time, if the individual is serving in the armed forces or has served in the armed forces within 6 months of applying for auto insurance.

IC 27-1-22-27 Higher rate may not be set based solely on the absence of insurance by an innocent applicant or policyholder (one who has simply not driven in the past 12 months, not one who has driven in violation of financial responsibility/compulsory insurance laws.)

IC 27-1-22-3.1 Rate may provide for an appropriate reduction if the principal operator of the motor vehicle is at least 55 years old and has, within 3 years before issuance or renewal of the policy, successfully completed an accident prevention course approved by the BMV.

F. Cancellation and Non-Renewal Provisions

IC 27-1-31 Commercial policies must provide for cancellation and non-renewal in accordance with this chapter. Cancellation allowed only for specific reasons. Notice of cancellation or non-renewal must be provided to the insured within statutory time frames.

IC 27-7-6 Private passenger automobile insurance policies must provide for cancellation and non-renewal in accordance with this chapter. Cancellation allowed only for specific reasons, and the reason must be given. Notice of cancellation or non-renewal must be provided to the insured within statutory time frames. If insured disputes the reason for cancellation (not non-renewal), the insured may request a hearing at the Department of Insurance.

IC 27-7-12 Homeowner and property insurance policies must provide for cancellation and non-renewal in accordance with this chapter. Notice of cancellation must be in writing and sent to the insured at least 10 days before canceling the policy, if the cancellation is for non-payment of premium or if the policy was issued not more than 60 days before. Notice of cancellation must be sent at least 20 days before canceling the policy, if the policy was issued more than 60 days before. Cancellation after 60 days, or after the effective date of a renewal policy, must be based on certain conditions, including non-payment of premium, fraud, change in risk, violation of safety codes, delinquent property taxes. Notice of non-renewal must be sent to the insured at least 20 days before expiration of the policy. Certain reasons for termination are illegal.

IC 27-7-12-8 Named insured must be given notice of a transfer of the policy, including a transfer between affiliated companies, at least 20 days before the transfer. Notice must identify the new insurer.

IC 34-18-13-4 Termination of a medical malpractice policy by cancellation is not effective for patients claiming against the insured unless written notice is given to the Department of Insurance at least 30 days in advance of the cancellation, and to the insured in case of cancellation by the insurer.

G. Other references

Attorney General's Opinion 84-3 Group Property & Casualty Restriction

IC 5-14-3-3 Access to Public Records

IC 8-21-3 Aircraft Financial Responsibility Act

IC 9-22-3 Salvage Vehicles

IC 24-4.5-4 Uniform Consumer Credit Code - Insurance

IC 26-2-8 Uniform Electronic Transactions Act

IC 27-1-5-1 Classifications of Insurance

IC 27-1-13-7 Notice to Agent is Notice to the Insured

IC 27-1-13-7 Insolvency or Bankruptcy of Insured does not absolve the Insurer

IC 27-1-13-17 Suits: No Less Than Two Year Right to File - Residential/Personal Property Policies

IC 27-1-15.6 Insurance Producers

IC 27-1-15.8 Surplus Lines Producers

IC 27-1-22-26 Returning Members of the Armed Services

IC 27-2-21 Use of Credit Information

IC 27-4-1-4 Unfair or Deceptive Practices in Insurance

IC 27-4-1-4(a)(8) Anti-Rebating

IC 27-4-1.5 Auto Repairs

IC 27-5.1 Farm Mutual Companies

IC 27-8-9-7 Primacy of Coverage for Passengers

IC 27-7-10-25 Risk Retention and Purchasing Groups

IC 34-18-13-4 Medical Malpractice Termination Provisions

Bulletin 36 Agent Service and Billing Fees

Bulletin 45 Workers Compensation Dividend Plans

Bulletin 56 Commercial Property and Casualty Loss History Reports

Bulletin 67 Procedures for Rating Organizations and Insurers Electing to File Loss Costs

Bulletin 71 House Bill 1024 (Auto Repairs)

Bulletin 76 Mine Subsidence Insurance

Bulletin 78 Automobile Service and Reimbursement Insurance Contracts

Bulletin 82 Automobile Insurance - Sales Tax

Bulletin 104 Mine Subsidence Insurance Premium Rate Table

Bulletin 106 Foreign Language Product Filings

Bulletin 124 Industrial Insured Transactions

Bulletin 126 Applications for Personal Lines Coverage by Returning Members of the Armed Services

Bulletin 128 Consumer Notice Requirement to file a Complaint with IDOI

Bulletin 130 The Use of Credit Information in Underwriting and Rating Insurance Policies

Bulletin 149 Notice of Coverage Reduction, Restriction, or Removal

Bulletin 152 Notice of Commercial Coverage Change

Bulletin 157 Personal Property and Casualty Fees

Bulletin 170 Certificate of Insurance Practices

Bulletin 176 The Use of Credit Information in Underwriting and Rating Insurance Policies

II. Requirements for Specific Lines of Property & Casualty Insurance

Auto Warranty - Bulletin 78

Bail Bonds

IC 31-14-1.5 security for child support, custody, and visitation rights

Boat Owners

Boiler & Machinery

Builders Risk

Business Owners

Child Care Liability

IC 27-7-10-1 through 27-7-10-34 Risk Retention
1986 Federal Risk Retention Act

Chiropractors Professional Liability

Collateral Protection

IC 24-4.5-4-301 through 24-4.5-4-305
Bulletin 35A

Commercial Automobile

IC 27-7-5-2: Uninsured and underinsured motorist coverage must be provided, unless such coverage is rejected in writing. No underinsured motorist coverage less than $50,000.

IC 27-7-5-3: Must offer uninsured motorist property damage coverage without a deductible. May ofer deductible of ot more than first $300 of property damage. Deductible must be waived if insured vehicle is legally parked and unoccupied. No liability on insurer where owner or operator of the other vehicle cannot be identified.

IC 27-7-5-5 Limitations on uninsured and underinsured motorist coverage

IC 9-25-1-1 through 9-25-7-5
IC 34-30-11-1 through 34-30-11-2
IC 24-4-9-10
IC 8-2.1-24-17
IC 9-23-2-10
IC 27-8-9-7
Bulletin 26
Bulletin 82
Bulletin 170

Commercial Farm
Commercial Fire
Commercial Inland Marine

Bulletin 35A

Commercial Liability

IC 22-15-7-2.5 Amusement Attractions
IC 27-7-10-1 through 27-7-10-34
Federal Risk Retention Act
IC 27-1-13-7
IC 27-1-29-1 through 27-1-29-28
Bulletin 26
Bulletin 78
Bulletin 170
IC 34-13-3-20
IC 20-5-2-2

Commercial Multi-Peril

Commercial Umbrella

(All statutes previously referenced under Commercial Automobile and Commercial Liability.)

Condominiums

Credit Property

Bulletin 35A
IC 24-4.5-4-301 through 24-4.5-4-305

Crime

Crop-Hail

Dentist Professional Liability

(See references Listed under Chiropractors Professional Liability)

Directors & Officers Liability

(See references under General Liability)

Dwelling Fire

Earthquake

Errors & Omissions

(See references under Commercial Liability)

Excess Workers Compensation

(See references under Commercial Liability)

Farm Owners

Fidelity Bonds

Flood

(IC 27-7-13-1 required notice of flood coverage in a residential policy.)

Foster Care Liability

IC 27-1-30-5

GAP

Garage Liability

(See references under Commercial Liability)
IC 27-8-9-5 through 27-8-9-11
IC 9-23-2-10

General Liability

(See references under Commercial Liability)

Glass

Health Care Professional Liability

(See references under Chiropractors Professional Liability)

Home Warranty

Homeowners

(IC 27-7-12 termination of residential policies)

IC 27-7-13 If property insurance policy does not cover flood damage, it must so state prominently on the policy jacket, or the policyholder must be given written notice that flood damage coverage may be available through the National Flood Insurance Program.

IC 27-7-9-8 An insurer who issues a homeowner's policy in certain Indiana counties MUST inform the policyholder of the availability of mine subsidence coverage at the time of issue.

IC 27-1-13-16 Notice of Residential Policy Changes

Bulletin 149 Notice of Coverage Reduction, Restriction or Removal

Hospital Professional Liability

(See references under Chiropractors Professional Liability)

Involuntary Unemployment

Lawyers Professional Liability

Liquor Liability

IC 7.1-5-10-15

Manufactured Homes - (See References under Homeowners)

Medical Malpractice

(See references under Chiropractors Professional Liability)
(See also IC 34-18-13 concerning liability of insurer and cancellation.)

Mine subsidence

IC 27-7-9
IC 27-7-9-8, insurers who issue homeowner policies in certain counties MUST inform the policyholder of the availability of mine subsidence coverage.
Bulletin 104, Mine Subsidence Insurance Premium Rate Table

Mobile Homeowners

(See references to Private Passenger Automobile)

Mortgage Insurance

Motor Home

Motorcycle

(See references under Private Passenger Automobile.)

Nuclear Injury

Nurses Professional Liability

(See references under Chiropractors Professional Liability)

Ocean Marine

Personal Inland Marine

Personal Liability

Personal Umbrella

(See references to uninsured and underinsured motorist coverage under Private Passenger Automobile. See also United National Ins. Co. v. DePrizio, 705 N.E.2d 455 (Ind. 1999), in which the Indiana Supreme Court applied these provisions to umbrella liability policies.

Physicians & Surgeons Professional Liability

(See references under Chiropractors Professional Liability)

Political Subdivision Liability

IC 27-1-29-1 through 27-1-29-28

Pollution Liability

Pre-Paid Legal Liability

IC 27-7-8-1 through 27-7-8-7
IC 27-1-5-1(m)

Private Passenger Automobile

. IC 27-7-5-2 Uninsured and underinsured motorist coverage must be provided, unless such coverage is rejected in writing. No underinsured motorist coverage less than $50,000

IC 27-7-5-3 Must offer uninsured motorist property damage coverage without a deductible. May offer deductible of not more than first $300 of property damage. Deductible must be waived if insured vehicle is legally parked and unoccupied. No liability on insurer where owner or operator of the other vehicle cannot be identified.

IC 27-7-5-5 Limitations on uninsured and underinsured motorist coverage.

IC 27-8-9-7 Primary motor vehicle coverage. Specifies that the vehicle owner's motor vehicle policy is considered primary for any claim made by a passenger in the motor vehicle.

IC 9-25-4 Financial responsibility requirements. Minimum amounts required are $25,000 for bodily injury to or death of one individual, $50,000 for bodily injury to or death of 2 or more individuals, $10,000 for property damage in one accident.

(See also rating and cancellation provisions for private passenger auto policies, above.)
Products Liability

Professional Liability

(See references under Commercial Liability)

Ranch Owners

Recreational Vehicle

(See references under Private Passenger Automobile)

Snowmobiles

Surety Bonds
Travel Insurance

Vehicle Service Contracts

Weather

Workers Compensation

IC 22-3-1-1 through 27-3-12-5
IC 27-7-2-1 through 27-7-2-38

Yacht

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IC 27-1-13-7	Notice to an authorized agent of the insurer is notice to the insurer.
IC 27-1-13-7	The insolvency or bankruptcy of insured does not release the insurer from payment of liability or property damages to a third party for loss sustained under the policy, and an injured person may bring action against insurer directly if insured is insolvent.
IC 27-1-13-7	Policy must insure owner of a motor vehicle against liability to third parties resulting from the negligence of any person legally using or operating the motor vehicle with the expressed or implied permission of the owner. (Even if the person is not a covered driver.)
IC 27-4-1-5.6	Every insurer must provide to policyholders a one-time written notice of opportunity to file a complaint with the Indiana Department of Insurance. See Bulletin 128 for sample notice.

IC 27-4-1-4(a)(7)(C)	Unfair discrimination between persons of the same class involving essentially the same hazards is prohibited.
IC 27-1-22-3	General rating requirements. Rates shall not be excessive, inadequate, or unfairly discriminatory.
IC 27-1-22-4	Filing requirements. All rates must be filed with the Department of Insurance, along with other information requested by the Department (e.g. policy forms, endorsements, etc.)
IC 27-1-22-4(j)	Rates in excess of the filed rate may be used with written application of the insured (consent to rate).
IC 27-1-22-18	No deviations allowed from filed premium charges. No rebating, inducements, or discounts not specified in the policy or filed with the Department. This provision does not apply to dividends or savings returned to participating policyholders or members of a mutual insurer.
IC 26-1-3.1-502.5	Bad check charges may not exceed $20, plus amount actually charged by the depository institution. (Part of Indiana's version of the Uniform Commercial Code - Negotiable Instruments.)

IC 27-1-22-25	Higher rate may not be set based on a policyholder or applicant's voluntary petition under the federal bankruptcy law. (Note: this is particularly important in the use of credit scoring in Indiana - bankruptcy may not be part of the equation.)
IC 27-1-22-26	Higher rate may not be set because an individual has not been covered by auto insurance for a period of time, if the individual is serving in the armed forces or has served in the armed forces within 6 months of applying for auto insurance.
IC 27-1-22-27	Higher rate may not be set based solely on the absence of insurance by an innocent applicant or policyholder (one who has simply not driven in the past 12 months, not one who has driven in violation of financial responsibility/compulsory insurance laws.)
IC 27-1-22-3.1	Rate may provide for an appropriate reduction if the principal operator of the motor vehicle is at least 55 years old and has, within 3 years before issuance or renewal of the policy, successfully completed an accident prevention course approved by the BMV.

IC 27-1-31	Commercial policies must provide for cancellation and non-renewal in accordance with this chapter. Cancellation allowed only for specific reasons. Notice of cancellation or non-renewal must be provided to the insured within statutory time frames.
IC 27-7-6	Private passenger automobile insurance policies must provide for cancellation and non-renewal in accordance with this chapter. Cancellation allowed only for specific reasons, and the reason must be given. Notice of cancellation or non-renewal must be provided to the insured within statutory time frames. If insured disputes the reason for cancellation (not non-renewal), the insured may request a hearing at the Department of Insurance.
IC 27-7-12	Homeowner and property insurance policies must provide for cancellation and non-renewal in accordance with this chapter. Notice of cancellation must be in writing and sent to the insured at least 10 days before canceling the policy, if the cancellation is for non-payment of premium or if the policy was issued not more than 60 days before. Notice of cancellation must be sent at least 20 days before canceling the policy, if the policy was issued more than 60 days before. Cancellation after 60 days, or after the effective date of a renewal policy, must be based on certain conditions, including non-payment of premium, fraud, change in risk, violation of safety codes, delinquent property taxes. Notice of non-renewal must be sent to the insured at least 20 days before expiration of the policy. Certain reasons for termination are illegal.
IC 27-7-12-8	Named insured must be given notice of a transfer of the policy, including a transfer between affiliated companies, at least 20 days before the transfer. Notice must identify the new insurer.
IC 34-18-13-4	Termination of a medical malpractice policy by cancellation is not effective for patients claiming against the insured unless written notice is given to the Department of Insurance at least 30 days in advance of the cancellation, and to the insured in case of cancellation by the insurer.

IC 5-14-3-3	Access to Public Records
IC 8-21-3	Aircraft Financial Responsibility Act
IC 9-22-3	Salvage Vehicles
IC 24-4.5-4	Uniform Consumer Credit Code - Insurance
IC 26-2-8	Uniform Electronic Transactions Act
IC 27-1-5-1	Classifications of Insurance
IC 27-1-13-7	Notice to Agent is Notice to the Insured
IC 27-1-13-7	Insolvency or Bankruptcy of Insured does not absolve the Insurer
IC 27-1-13-17	Suits: No Less Than Two Year Right to File - Residential/Personal Property Policies
IC 27-1-15.6	Insurance Producers
IC 27-1-15.8	Surplus Lines Producers
IC 27-1-22-26	Returning Members of the Armed Services
IC 27-2-21	Use of Credit Information
IC 27-4-1-4	Unfair or Deceptive Practices in Insurance
IC 27-4-1-4(a)(8)	Anti-Rebating
IC 27-4-1.5	Auto Repairs
IC 27-5.1	Farm Mutual Companies
IC 27-8-9-7	Primacy of Coverage for Passengers
IC 27-7-10-25	Risk Retention and Purchasing Groups
IC 34-18-13-4	Medical Malpractice Termination Provisions
Bulletin 36	Agent Service and Billing Fees
Bulletin 45	Workers Compensation Dividend Plans
Bulletin 56	Commercial Property and Casualty Loss History Reports
Bulletin 67	Procedures for Rating Organizations and Insurers Electing to File Loss Costs
Bulletin 71	House Bill 1024 (Auto Repairs)
Bulletin 76	Mine Subsidence Insurance
Bulletin 78	Automobile Service and Reimbursement Insurance Contracts
Bulletin 82	Automobile Insurance - Sales Tax
Bulletin 104	Mine Subsidence Insurance Premium Rate Table
Bulletin 106	Foreign Language Product Filings
Bulletin 124	Industrial Insured Transactions
Bulletin 126	Applications for Personal Lines Coverage by Returning Members of the Armed Services
Bulletin 128	Consumer Notice Requirement to file a Complaint with IDOI
Bulletin 130	The Use of Credit Information in Underwriting and Rating Insurance Policies
Bulletin 149	Notice of Coverage Reduction, Restriction, or Removal
Bulletin 152	Notice of Commercial Coverage Change
Bulletin 157	Personal Property and Casualty Fees
Bulletin 170	Certificate of Insurance Practices
Bulletin 176	The Use of Credit Information in Underwriting and Rating Insurance Policies

Auto Warranty - Bulletin 78
Bail Bonds
	IC 31-14-1.5 security for child support, custody, and visitation rights
Boat Owners
Boiler & Machinery
Builders Risk
Business Owners
Child Care Liability
	IC 27-7-10-1 through 27-7-10-34 Risk Retention 1986 Federal Risk Retention Act
Chiropractors Professional Liability
Collateral Protection
	IC 24-4.5-4-301 through 24-4.5-4-305 Bulletin 35A
Commercial Automobile

	IC 27-7-5-2:	Uninsured and underinsured motorist coverage must be provided, unless such coverage is rejected in writing. No underinsured motorist coverage less than $50,000.
	IC 27-7-5-3:	Must offer uninsured motorist property damage coverage without a deductible. May ofer deductible of ot more than first $300 of property damage. Deductible must be waived if insured vehicle is legally parked and unoccupied. No liability on insurer where owner or operator of the other vehicle cannot be identified.
	IC 27-7-5-5	Limitations on uninsured and underinsured motorist coverage
IC 9-25-1-1 through 9-25-7-5 IC 34-30-11-1 through 34-30-11-2 IC 24-4-9-10 IC 8-2.1-24-17 IC 9-23-2-10 IC 27-8-9-7 Bulletin 26 Bulletin 82 Bulletin 170
Commercial Farm Commercial Fire Commercial Inland Marine
Bulletin 35A
Commercial Liability
IC 22-15-7-2.5 Amusement Attractions IC 27-7-10-1 through 27-7-10-34 Federal Risk Retention Act IC 27-1-13-7 IC 27-1-29-1 through 27-1-29-28 Bulletin 26 Bulletin 78 Bulletin 170 IC 34-13-3-20 IC 20-5-2-2
Commercial Multi-Peril
Commercial Umbrella
(All statutes previously referenced under Commercial Automobile and Commercial Liability.)
Condominiums
Credit Property
Bulletin 35A IC 24-4.5-4-301 through 24-4.5-4-305
Crime
Crop-Hail
Dentist Professional Liability
(See references Listed under Chiropractors Professional Liability)
Directors & Officers Liability
(See references under General Liability)
Dwelling Fire
Earthquake
Errors & Omissions
(See references under Commercial Liability)
Excess Workers Compensation
(See references under Commercial Liability)
Farm Owners
Fidelity Bonds
Flood
(IC 27-7-13-1 required notice of flood coverage in a residential policy.)
Foster Care Liability
IC 27-1-30-5
GAP
Garage Liability
(See references under Commercial Liability) IC 27-8-9-5 through 27-8-9-11 IC 9-23-2-10
General Liability
(See references under Commercial Liability)
Glass
Health Care Professional Liability
(See references under Chiropractors Professional Liability)
Home Warranty
Homeowners
(IC 27-7-12 termination of residential policies)
	IC 27-7-13	If property insurance policy does not cover flood damage, it must so state prominently on the policy jacket, or the policyholder must be given written notice that flood damage coverage may be available through the National Flood Insurance Program.
	IC 27-7-9-8	An insurer who issues a homeowner's policy in certain Indiana counties MUST inform the policyholder of the availability of mine subsidence coverage at the time of issue.
	IC 27-1-13-16	Notice of Residential Policy Changes
	Bulletin 149	Notice of Coverage Reduction, Restriction or Removal
Hospital Professional Liability
(See references under Chiropractors Professional Liability)
Involuntary Unemployment
Lawyers Professional Liability
Liquor Liability
IC 7.1-5-10-15
Manufactured Homes - (See References under Homeowners)
Medical Malpractice
(See references under Chiropractors Professional Liability) (See also IC 34-18-13 concerning liability of insurer and cancellation.)
Mine subsidence
IC 27-7-9 IC 27-7-9-8, insurers who issue homeowner policies in certain counties MUST inform the policyholder of the availability of mine subsidence coverage. Bulletin 104, Mine Subsidence Insurance Premium Rate Table
Mobile Homeowners
(See references to Private Passenger Automobile)
Mortgage Insurance
Motor Home
Motorcycle
(See references under Private Passenger Automobile.)
Nuclear Injury
Nurses Professional Liability
(See references under Chiropractors Professional Liability)
Ocean Marine
Personal Inland Marine
Personal Liability
Personal Umbrella
(See references to uninsured and underinsured motorist coverage under Private Passenger Automobile. See also United National Ins. Co. v. DePrizio, 705 N.E.2d 455 (Ind. 1999), in which the Indiana Supreme Court applied these provisions to umbrella liability policies.
Physicians & Surgeons Professional Liability
(See references under Chiropractors Professional Liability)
Political Subdivision Liability
IC 27-1-29-1 through 27-1-29-28
Pollution Liability
Pre-Paid Legal Liability
IC 27-7-8-1 through 27-7-8-7 IC 27-1-5-1(m)
Private Passenger Automobile
.	IC 27-7-5-2	Uninsured and underinsured motorist coverage must be provided, unless such coverage is rejected in writing. No underinsured motorist coverage less than $50,000
	IC 27-7-5-3	Must offer uninsured motorist property damage coverage without a deductible. May offer deductible of not more than first $300 of property damage. Deductible must be waived if insured vehicle is legally parked and unoccupied. No liability on insurer where owner or operator of the other vehicle cannot be identified.
	IC 27-7-5-5	Limitations on uninsured and underinsured motorist coverage.
	IC 27-8-9-7	Primary motor vehicle coverage. Specifies that the vehicle owner's motor vehicle policy is considered primary for any claim made by a passenger in the motor vehicle.
	IC 9-25-4	Financial responsibility requirements. Minimum amounts required are $25,000 for bodily injury to or death of one individual, $50,000 for bodily injury to or death of 2 or more individuals, $10,000 for property damage in one accident.
	(See also rating and cancellation provisions for private passenger auto policies, above.) Products Liability
Professional Liability
(See references under Commercial Liability)
Ranch Owners
Recreational Vehicle
(See references under Private Passenger Automobile)
Snowmobiles
Surety Bonds Travel Insurance
Vehicle Service Contracts
Weather
Workers Compensation
IC 22-3-1-1 through 27-3-12-5 IC 27-7-2-1 through 27-7-2-38
Yacht