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Low Monthly Payments
Low Monthly Payments
Has the Indiana BMV said you need to keep SR22 insurance for up to two years? We can help you get and keep your license valid, and insure your vehicle! Since 1993 we have been providing Indiana Drivers SR22 & SR50 insurance with low, pay as you go, payments.
Indiana SR22 & SR50
Low Monthly Payments
Low Monthly Payments
Don't own a car but the BMV said you need SR22 to get your license reinstated? No Problem! Our NonOwners policy is designed so that you could drive vehicles owned by friends and relatives! (Policy restrictions apply).
Our Company
Low Monthly Payments
Our Company
Rogge Insurance was started in 1923 in Northwest Indiana. In 1993, Classic Auto Insurance was started to provide simple and easy to purchase auto insurance for Indiana residents. We are working for you at
1500 E 73rd Ave, Merrillville Indiana 46410
We love talking to Customers!
Call us at
219-738-2838
How To Reinstate Your License
Need to reinstate your license? Classic Auto Insurance is here to help!
"My Indiana drivers license is suspended. When I asked about getting my license reinstated, people told me I could call the BMV, or recommended I go to their website, bmv.gov, to look up my drivers license account. The website explained that I have to pay a reinstatement fee to the BMV of Indiana, and I had to ask my insurance agent for an auto insurance policy that has the minimum Indiana liability limits, and the policy must have an SR22 filed with the BMV. When I called Classic Auto Insurance in Merrillville, Indiana they explained that the cost of my insurance would be $62 every 30 days, and that that policy would include an SR22 filed with the BMV. Due to Covid-19, I wasn’t able to come in, so they set the policy up with an e-signature via email and I paid the $62 by credit card. Once the policy application was complete, signed, and paid for, they issued the SR22 with the BMV. They told me it could take about 48 hours for the BMV to have the SR22 information in their systems across Indiana...
I was reminded that I would still need to pay the Indiana BMV a reinstatement fee. When I was on my BMV account, I noticed that there was a way to pay online. Once the BMV had both the SR22 and my reinstatement fee, they reinstated my license!
Classic Auto Insurance also reminded me that if I let my insurance cancel, a notice will automatically be sent to the BMV, and that the BMV would suspend my license again, and I would get another letter from the BMV about the suspension. They explained that if this happens, I can restart my insurance and that I would need to let them know at classic to re-file the SR 22. Lastly, I should check my BMV account to make sure that my license had been reinstated.
I was worried about what I would have to go through to reinstate my license, but classic auto insurance made it as easy as possible!"
Call Classic Auto Insurance to reinstate your license today!
Proof of Financial Responsibility
To simplify, proof of financial responsibility is an SR22. An SR22 is a document that is filed to prove that your vehicle is insured with the required minimum liability auto insurance. Referencing the Indiana BMV, "The SR22 is proof of future financial responsibility and may be imposed for a variety of reasons for up to five (5) years.. A valid SR22 form must remain on file with the BMV for the duration of the required period."
Reasons for Obtaining an SR22
According to the Indiana BMV, "The Bureau of Motor Vehicles (BMV) is required to verify that all motorists have the minimum liability insurance coverage in effect with respect to the vehicle operated whenever a vehicle operator is involved in:
- An auto accident for which the BMV receives an accident report.
- A pointable moving violation within one (1) year of receiving two (2) other pointable moving violations.
- A serious traffic violation, such as a misdemeanor or felony.
- Any pointable violation by a driver who was previously suspended for failing to provide proof of financial responsibility
What happens if I let my SR22 expire?
The Indiana BMV states, "If the Indiana BMV receives an SR26 (cancellation of SR22 insurance) notice from your insurance provider, or the BMV does not have an effective SR22 on file at any time during the three (3) or five (5) year period, your driving privileges will be suspended until the Indiana BMV receives an effective SR22 policy that shows coverage is in effect, or the SR22 requirement period expires." To file an SR22 to reinstate your Indiana Driver's license, contact Classic Auto Insurance. For further detail about this occurance, contact your local BMV.
Non-owners & SR22 Insurance
My Indiana driver's license is suspended. I was told I need non-owners insurance because I do not ow
- Someone else referred to this as "SR22 insurance'. When I called Classic Auto Insurance, they explained that an SR22 is actually a notice that goes to the state of Indiana to show that I obtain at least the minimum requirement of auto liability insurance for Indiana. They asked me whether or not I own a car. I explained to them that I did not own a car, but I did want to get my license reinstated. They said that would be fine, because it is still an automobile insurance policy, called a non-owners policy. The agent at Classic Auto Insurance verified that the price would remain the same regardless of whether or not I own a car to get liability auto insurance. They gave me an easy 30 day price, they filled out an application, and asked me a few questions. I paid with my debit card and they filed the SR22 with the state of Indiana for me. I asked them why other people referred to this procedure as SR22 insurance? They explained that a lot of people think there is a separate type of an insurance policy called SR22 insurance, but it is actually a form number that gets filed with the state of Indiana to show that an insurance policy is active. They followed up by explaining that the term "non-owners insurance" is a term used when someone needs auto insurance for the license but doesn’t own a car in their name. The agent at Classic Auto Insurance did say that if I let my insurance policy cancel that another form would automatically be sent to Indiana called an SR 26. That would notify the state that I don’t have an active insurance policy anymore and the state of Indiana would probably re-suspend my license. If this were to happen, when I’m ready to restart my insurance, I would need to tell Classic Auto Insurance to file an SR 22 on my policy again. After the SR22 is refiled, the insurance agent stated that in that situation, I should check with the BMV or their website afterward to make sure my license status is accurate.
No Insurance: Ticket or Accident
I had no insurance when I got into an accident or got a ticket. What happens next?
I got a ticket in Indiana, and I let my insurance expire. I got a letter in the mail from the Indiana BMV asking me to have my insurance agent show proof of insurance for the day I received the ticket. When I called my insurance agent, they told me that my insurance had expired and that they were unable to fill out the certificate of compliance that the BMV is requesting because there was no insurance at the time.
What happens after that?
I asked them, "What would happen to my license if I couldn't show proof of insurance?" They explained that "What usually happens is the Indiana BMV sets a date that they will suspend my license for not having insurance at the time of a violation or accident or the BMV will require an SR22 insurance filing for six months." Since I never had my license suspended before, the BMV would likely require me to get insurance for at least six months, and to have the insurance file an SR22 to the Indiana BMV to prove I now have insurance. If I complete the six months then I can apply to get my license back.
If it is not the first time the Indiana #BMV has suspended my license, then they may require an SR22 after a suspension period, and pay a reinstatement fee. At the end of the suspension, the BMV would send me a notice saying that I can get my license reinstated by paying a fee to the #IndianaBMV. The SR22 shows proof of current insurance and continuous insurance. The BMV may require the SR22 to be kept on file with the Indiana BMV for two years, which means that I will have to keep my insurance going with an SR 22 file on it for two years.
Rental Cars & Coverage
Why You Should Consider Rental Car Coverage from the Rental Car Company
While your personal auto insurance policy might offer some coverage, it may not fully protect you in all situations involving a rental car. Here are key reasons to consider purchasing the rental car company’s coverage for peace of mind:
1. Covers Loss of Use Fees
If the rental car is damaged and needs repairs, many rental car companies charge a “loss of use” fee for the time the car is out of service. This fee is often based on the car’s daily rental rate (sometimes the maximum rate). Most personal auto insurance policies do not cover these fees, leaving you responsible for the cost. Rental car coverage from the company typically includes these fees, saving you from unexpected expenses.
2. Your Policy May Not Cover Rental Cars in All Situations
Some personal auto insurance policies only extend coverage to a rental car when it’s used as a temporary substitute for your own vehicle while your car is being repaired. If you’re renting a car for other reasons, like a vacation or personal trip, your policy may not provide coverage at all. Purchasing the rental car company’s coverage ensures you’re protected regardless of the reason for renting.
3. Coverage May Be Limited to Named Insureds
Most personal auto policies only extend coverage to the named insured (the policy owners) when driving a rental car. Other drivers listed on your policy, such as a family member, or friend, may not be covered when driving the rental car. The rental car company’s coverage typically extends to all authorized drivers listed on the #RentalAgreement, providing broader protection.
4. Exclusions for Certain Vehicles or Uses
Personal auto policies often have restrictions on the types of vehicles and uses covered. For example:
• Business use: If you use the rental car for business purposes (e.g., delivering goods or driving people for money), your personal auto policy may exclude coverage.
• Non-standard vehicles: Renting a moving van, large truck, luxury car, or specialty vehicle may not be covered by your personal auto policy. Rental car coverage from the company typically covers the specific vehicle you rent and its intended use (as long as it complies with the rental agreement), avoiding these exclusions.
5. Avoids Claims on Your Personal Auto Policy
Filing a claim on your personal auto policy for a rental car incident could lead to increased premiums or even policy cancellation, depending on your insurer’s rules. By using the rental car company’s coverage, you can avoid filing a claim on your personal policy, keeping your insurance record clean and your rates stable.
6. Deductibles and Out-of-Pocket Costs
Your personal auto policy’s deductible (the amount you pay out of pocket before insurance kicks in) applies to rental car claims. This could mean paying hundreds or thousands of dollars upfront for damages. Rental car coverage from the company often has no deductible, meaning you’re not responsible for repair costs (subject to the terms of the agreement).
7. Simplified Claims Process
Handling a claim through the rental car company is often faster and simpler than dealing with your personal auto insurer. Rental companies are accustomed to processing claims for their vehicles and may handle repairs directly, reducing your hassle. With your personal policy, you may face delays, paperwork, or disputes over coverage.
8. Coverage for Additional Fees
Rental car companies may charge administrative fees, towing costs, or diminished value (the reduced resale value of a damaged car) in addition to repair costs. These fees are often not covered by personal auto policies but are typically included in the rental company’s coverage, protecting you from surprise charges.
9. International Travel Considerations
If you’re renting a car abroad, your personal auto policy is unlikely to provide coverage in most other countries. Rental car coverage purchased from the rental company in the country you are visiting will help ensure you’re protected.
10. Peace of Mind for High-Value or Specialty Rentals
If you’re renting a luxury car, sports car, or other high-value vehicle, the potential repair costs could be significant. Your personal auto policy may have limits on coverage for expensive vehicles, leaving you exposed to high out-of-pocket costs. The #rental-company’s-coverage is tailored to the specific vehicle, ensuring full protection.