I offered to pay out of pocket after an accident since I don't have insurance, but the other driver insisted on calling police. The officer said he'd mail me a form to fill out with my insurance details. If I get insurance now and fill out the form, will I avoid penalties for driving uninsured?

"I've never broken down on the side of the road before. I wanted to know if the police will help you if your car breaks down. Will they help you get your car towed?"

"I'm an international student and I was borrowing my cousin's car when I hit someone. I don't have any insurance, but the other driver did and he wants to get his car repaired. Will I have to pay for it?"

Your car insurance rates will be negatively affected if you have points on your license, your credit score drops, an excluded driver uses your car, and more.

Indiana law might require you to get SR-22 insurance if your license has been suspended or revoked due to a serious driving violation or conviction.

Uninsured motorist protection car insurance covers you in an accident if the at-fault driver does not have any car insurance.