Reader’s Question:

I live in Fort Wayne, Indiana. I received a ticket recently and I was wondering how long does a speeding ticket remain on your record in Indiana? Is this going to affect my auto insurance rate in Fort Wayne?

Billy

Fort Wayne, IN

The Indiana Bureau of Motor Vehicles (BMV) states that points associated with a traffic violation, such as speeding, may be disregarded after two years but the offenses stay on your record since Indiana state continues to track your infractions.

If they find in Indiana that you have committed repeat moving offenses over a ten year period, IN will classify you as a habitual traffic violator. The Habitual Traffic Violator law for repeat offenders are penalized for license suspensions of five years, ten years, or life.

While points for moving violations will only stay active on your motor vehicle record (MVR) for 2 years, that traffic violations and serious vehicular offenses, such as a DUI, continually stay on your record. You may check with the Indiana BMV to verify this information.

You may verify with you car insurance company in Fort Wayne and ask them if this speeding ticket that you received will increase your auto insurance premium.

Reader’s Question:

Is there a difference between an SR22 and SR50 form in Indiana?

Jenny

South Bend, IN

The Indiana Bureau of Motor Vehicles, an SR-50 is a form used by an individual to show proof of current car insurance. This SR50 shows both the beginning and end dates of the current policy to the Bureau.

Therefore the definition of the SR 50 is a form required by Indiana (and probably in some states) as proof that one currently has insurance on their car.

If an individual is not insured at the time of a infraction, a reinstatement fee of between $150 to $300 is needed and they may be subject to a 1 year suspension of their driving privileges and will be required to have an Affidavit of Current Insurance, or SR-50 form, filled out and returned to the Indiana BMV by their insurance provider.

An SR 22 is proof of financial responsibility in Indiana. An SR-22 is mandatory three (3) year period if you are required to carry this certificate of Financial Responsibility Certificate .An SR 50 on the other hand is proof of current financial responsibility that your insurance company would send to the state.