Indiana Code Title 27, Article 7

What this document is

Indiana Code Title 27, Article 7 - Uninsured Motorist Coverage and Underinsured Motorist Coverage, Miscellaneous Motor Vehicle Insurance Provisions, and Cancellation of Automobile Insurance Policies (IC 27-7-5, 27-7-5.1, 27-7-6) is a state statute published by Indiana General Assembly (iga.in.gov). It is one of the Indiana documents that insurance license exam questions are written from, including indiana property & casualty, indiana personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• IC § 27-7-5-3(c) (Uninsured and Underinsured Motorist Coverage; Property Damage Coverage; Authorization)

  “(c) Any claim for property damage submitted under an uninsured motorist coverage must include the name and address of the at-fault operator and any other information to establish the at-fault operator is without motor vehicle liability insurance. There shall be no liability imposed upon an insurer...”

• IC § 27-7-5-4(b) ("Uninsured Motor Vehicle" and "Underinsured Motor Vehicle" Defined)

  “(b) For the purpose of this chapter, the term underinsured motor vehicle, subject to the terms and conditions of such coverage, includes an insured motor vehicle where the limits of coverage available for payment to the insured under all bodily injury liability policies covering persons liable to...”

• IC § 27-7-6-4 (Cancellation of Automobile Insurance Policies; Notice of Cancellation; Authorized Reasons; Provisos)

  “Provided, however, that a change or substitution in policy form shall not be deemed to be a cancellation within the intent of this chapter; provided, further, that nothing in this section shall apply to nonrenewals. This section shall not apply to any policy or coverage which has been in effect...”

• IC § 27-7-5-5(a) (Uninsured and Underinsured Motorist Coverage; Limitations on Coverage)

  “Sec. 5. (a) The policy or endorsement affording coverage specified in this chapter may provide that the total limit of all insurers' liability arising out of any one (1) accident shall not exceed the highest limits under any one (1) policy applicable to the loss, but in no event may coverage be...”

• IC § 27-7-5-6(b) (Uninsured and Underinsured Motorist Coverage; Subrogation; Effect of Advancing Payment)

  “However, an insurer that, under the circumstances described in subdivision (1), advances payment to the insured in an amount equal to the amount provided for in the offer of agreement or settlement, has full rights of subrogation as provided in its policy or endorsement affording the underinsured motorist coverage.”

• IC § 27-7-5.1-3(b) (Miscellaneous Motor Vehicle Insurance Provisions; "Noneconomic Damages"; Exclusions)

  “(b) The term does not include costs for the following: (1) Treatment and rehabilitation. (2) Medical expenses.”

• IC § 27-7-5-2(d) (Uninsured and Underinsured Motorist Coverage; Commercial Umbrella or Excess Liability Policies)

  “(d) The following apply to the coverage described in subsection (a) in connection with a commercial umbrella or excess liability policy, including a commercial umbrella or excess liability policy that is issued or delivered to a motor carrier (as defined in IC 8-2.1-17-10) that is in compliance...”

• IC § 27-7-5.1-5 (Miscellaneous Motor Vehicle Insurance Provisions; Prohibition on Payment of Noneconomic Damages)

  “Sec. 5. An insurer may not pay noneconomic damages on a claim for coverage under a motor vehicle insurance policy issued by the insurer if the claim is for coverage for a loss incurred by an uninsured motorist with a previous violation.”

• IC § 27-7-6-5(a) (Cancellation of Automobile Insurance Policies; Notice of Cancellation)

  “Sec. 5. (a) A notice of cancellation of a policy to which section 4 of this chapter applies is not effective: (1) unless it is mailed by the insurer to the named insured at least twenty (20) days prior to the effective date of cancellation; or (2) if the cancellation is for nonpayment of premium,...”

• IC § 27-7-5-5(b) (Uninsured and Underinsured Motorist Coverage; Limitations on Coverage; Specific Premium Charge)

  “(b) When the coverage specified in this chapter is written to apply to one (1) or more motor vehicles under a single automobile liability policy, such coverage applies only to the operation of those motor vehicles for which a specific uninsured or underinsured motorist premium charge has been made...”

• IC 27-7-5-2(h)(4) (Uninsured and underinsured motorist coverage; personal umbrella policies)

  “A rejection under subsection (b) of uninsured motorist coverage or underinsured motorist coverage in an underlying personal policy of insurance is also a rejection of uninsured motorist coverage or underinsured motorist coverage in a personal umbrella or excess liability policy.”

• IC 27-7-5-2(h)(1)-(3) (Uninsured and underinsured motorist coverage; personal umbrella policies)

  “(h) The following apply to the coverage described in subsection (a) in relation to a personal umbrella or excess liability policy: (1) An insurer is not required to make available the coverage described in subsection (a) under a personal umbrella or excess liability policy. (2) An insurer that...”

Practice this material

Questions about this source

More Indiana sources

• Indiana Code IC 27-4-1 - Unfair Competition; Unfair or Deceptive Acts and Practices (IC 27-4-1-1 to 27-4-1-19)State statute
• Indiana Code Title 27, Article 8, Chapter 5 - Accident and Sickness Insurance: Policy Provisions (IC 27-8-5, individual and general provisions)State statute
• Indiana Code Title 27, Article 1, Chapter 3.5 - Annual Audited Financial Reports (IC 27-1-3.5)State statute
• Indiana Code Title 27, Article 1 - Classification of Insurance, Admission of Foreign and Alien Companies to Transact Business in Indiana, and Additional Provisions Pertaining to Foreign and Alien Companies (IC 27-1-5, 27-1-17, 27-1-18)State statute
• Indiana Code Title 27 - Use of Credit Information in Personal Insurance and Virtual Claim Payments for Dental Care Services (IC 27-2-21, IC 27-4-10)State statute
• Indiana Code Title 35, Article 50 - Sentences: General Provisions, Sentences for Felonies, and Sentences for Misdemeanors (IC 35-50-1, 35-50-2, 35-50-3)State statute
• Indiana Code Title 27, Article 1 - Department of Insurance: Department Created, Incorporation by Reference, Application of Article and Definitions, General Powers and Duties of the Department, and Examinations (IC 27-1-1, 27-1-1.5, 27-1-2, 27-1-3, 27-1-3.1)State statute
• Indiana Code Title 9, Article 25 - Financial Responsibility (IC 9-25-1 through IC 9-25-11.5)State statute