Indiana Motorcycle Insurance & Passenger Questions

Prepared by Poynter & Bucheri, LLC · Reviewed by Donald Poynter, Indiana attorney · Last reviewed November 9, 2026

For Indiana motorcycle insurance questions, start with the policy and the facts of the crash. This page helps riders and passengers prepare questions. It does not decide who is at fault or promise payment.

Indiana motorcycle insurance: minimum limits

The BMV financial-responsibility page describes Indiana’s minimum liability limits as:

• $25,000 for injury to or death of one person.
• $50,000 for injury to or death of two or more people in one crash.
• $25,000 for property damage in one crash.

These are the BMV’s stated minimum limits, not a promise that your own losses will be paid. Ask your insurer to explain what each part of your policy covers.

Questions for your insurer or lawyer

• Which policy and coverage are you reviewing?
• What limits and exclusions apply?
• Is there uninsured or underinsured motorist coverage? What are its terms?
• Does the policy address passenger injuries?
• Does it cover a damaged helmet, other gear or custom parts?
• What notice or documents does this policy require?

Keep the answers with your policy and claim letters. This page does not determine UM/UIM terms, accessory dollar limits or hit-and-run coverage for your claim.

What if the insurer says I was partly at fault for the motorcycle crash?

Under Indiana’s Comparative Fault Act, an injured person’s share of fault reduces their damages proportionally (IC 34-51-2-5). They are barred from recovering if their fault is greater than the fault of all others whose fault caused the damages; the Act’s jury instructions put that at more than 50% (IC 34-51-2-6, IC 34-51-2-7, IC 34-51-2-8). An insurer’s fault percentage is its own position, not a final decision; in a lawsuit, the jury, or the judge if there is no jury, decides. The Act does not apply to claims against a government unit or public employee (IC 34-51-2-2).

If you were a passenger

Write down which vehicle you rode on and which insurers have contacted you. Ask a lawyer to review fault, who may bring a claim, possible defendants and any family or guest issues. Being a passenger does not let this page decide fault or coverage for you.

Health bills and damaged gear

Ask the health plan or insurer about the bill in question, payment terms and any claim for repayment. Do not assume all bills or damaged items will be covered. Keep receipts and existing photos for your own records.

See the after-crash checklist and rider-law reference for other next steps.