Indiana applies the federal Part 387 schedule intrastate: $300,000 for vehicles at or under 10,000 lbs GVWR, $750,000 above, with Form E filed with the Department of Revenue. Indiana sets no tow-specific on-hook, garagekeepers, or cargo minimum.
Law: 49 CFR 387.9, incorporated by IC 8-2.1-24-18(a); Form E filing per 45 IAC 16-1-2(b) · 45 IAC 16-1-2(a); IC 8-2.1-24-15, 24-16, 24-17
Weight / class variation: Liability splits at 10,000 lbs GVWR ($300,000 at or under; $750,000 above).
General intrastate for-hire motor-carrier rule (IC 8-2.1-24): § 24-18(a) incorporates 49 CFR Part 387, so the federal liability schedule applies intrastate; 45 IAC 16-1-2 requires Form E Indiana. No tow-specific on-hook, garagekeepers, or cargo minimum in state law — the $50,000 garagekeepers figure in circulation traces to the Indianapolis non-consensual tow license (local, not statewide). The circulated $50k/$100k/$300k weight tiers do not appear in Indiana law. 45 IAC 16-1-2(c)'s cargo reference to 49 CFR Part 1043 is a defunct federal citation; the live federal cargo rule covers household-goods carriers only. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Indiana →Independent-contractor test: Statutory: IC "under the guidelines of the IRS" (IC 22-3-6-1(b)(7), applies to all trades since 2013). Courts apply a 10-factor Restatement balancing test
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.