Auto Insurance in Indianapolis

You and Your Auto Insurance: Driving in Indianapolis

Indianapolis, Indiana, also known as Indy, is America’s most walkable city. Amidst its standout buildings, the calling card of Indianapolis is the city’s downtown Monument Circle, beginning with the Soldier’s and Sailor’s Monument.

When partying in Indy, law enforcement should not be on the invite list. It’s easy to keep people safe if you follow a few simple rules.

Hosting a party — your Insurance, your responsibility

What does the success of your party have to do with insurance? Odds are, every driver at your party has auto insurance. And you can be held legally responsible and liable and if someone has an accident driving home.

  • A drunk driving conviction can seriously increase auto insurance premiums, lead to the loss of driving privileges or worse. Drunk driving can seriously injure or kill someone.
  • Anyone who throws a party and serves alcohol has a legal responsibility in regards to their guests’ ability to drive safely.  Thirty-two states have laws or precedents that can hold you responsible and liable if you’re the party giver and one of your guests is involved in an alcohol-related accident that results in injury or fatality.
  • According to 2008 figures from the National Highway Traffic Safety Administration,  32% of traffic fatalities involving a motor vehicle also involved alcohol.
  • Falling asleep at the wheel is now often equated with reckless driving. Combine a tired driver with an alcohol-impaired driver, and you have a dangerous cocktail on the road.  Protect guests that are tired by keeping them off the road.

Here are some suggestions for you to help keep everyone safe, including you!

  • Designated drivers. Make sure guests select a designated driver who will not drink alcoholic beverages.
  • Make sure you are responsible so you can clearly determine if someone should not drive.
  • Provide a variety of beverages. Have fun with the non-alcoholic drinks.
  • An empty stomach causes a quicker absorption of alcohol. Provide plenty of food.
  • Avoid pressuring anyone to drink. Do not rush and refill empty glasses.  Stop serving anyone who is visibly impaired.
  • Stop serving alcohol a third of the way through a game or festivities. Then, be prepared with tea, coffee, and soft drinks . . . and more food.
  • Prepare yourself with local cab company’s phone numbers. Has a guest consumed too much? Are they tired?  Call them a cab or ask one of the designated drivers to get them home safely. Also, find out if you have Safe-Ride programs in your area.
  • Have everyone leave their cars keys at home except designated drivers.
  • Remind everyone to buckle up as they leave.

Stay aware of your guests and the pace at which they drink. Helping them pace themselves, get enough food to eat, and suggesting they alternate their alcohol with non-alcoholic drinks can be the icing on the cake for a successful and responsible get-together . . . that doesn’t involve your insurance company

.  In Indy, don’t race the pace.

Hope this has been helpful, and enjoy driving in Indianapolis!


Insurance Information Institute
National Highway Traffic Safety Administration