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Whether for your car, house or health, insurance is a valuable tool to protect yourself in case of a catastrophic event.
This year, the Indiana General Assembly enacted several laws related to insurance, providing much-needed updates to the industry.

Senate Enrolled Act 40 increases the minimum motor vehicle financial responsibility requirements for property damage accidents from $10,000 to $25,000.

Unchanged since 1982, the new limits better reflect the rise of inflation as well as the value of vehicles on the road today.

District 48 State Senator Mark Messmer of Jasper says with this change, drivers can have a better peace-of-mind that if they are in an accident, they will have the coverage they need to cover damages.

Meanwhile Messmer says Senate Enrolled Act 336 makes changes to the mine subsidence insurance coverage.

Mine subsidence is the failure of a roof support in an underground mine causing impact to the ground surface.

He says this law will allow more homeowners whose dwellings sit atop these areas to purchase mine subsidence insurance.


Finally, Senate Enrolled Act 30 was signed into law this year after lawmakers took a closer look at insurance claim denials. Messmer says the act requires the Indiana Department of Insurance to catalog and analyze those denials.


Now these new laws give consumers access to the coverage they need while ensuring that insurance companies are being held accountable for claim denials.

You can contact Messmer’s office directly with your questions and concerns by email at or by phone at 800-382-9467.

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