When must a for-hire vehicle driver provide proof of insurance?

A for-hire vehicle driver must provide proof of insurance during inspections or if involved in an accident because these scenarios serve as critical indicators of a driver’s compliance with legal insurance requirements. In Indiana, as in many states, drivers of for-hire vehicles are required to maintain specific insurance coverage that meets the state's standards, given the professional nature of their services.

During inspections, which can be routine checks by law enforcement or regulatory agencies, drivers must demonstrate that they have the required insurance coverage to operate legally. Similarly, if an accident occurs, proof of insurance must be provided to ensure that all parties can access the necessary coverage for damages or injuries sustained.

Having insurance is essential not only for compliance with regulations but also to protect both the driver and passengers, as well as other road users, against financial repercussions in the event of an incident. The requirement for proof at these times ensures accountability and transparency in the for-hire vehicle industry.