Many people in Indiana enjoy riding mopeds due to their small size and ease of use. However, all riders must follow specific laws for mopeds. Indiana law requires that moped drivers be at least 15, have a valid driver’s license or ID, and not go over 35 miles per hour. They must also wear a helmet and protective eyewear if under 18. Passengers are not allowed.
The differences between motorcycles and mopeds can sometimes be confusing. But knowing the differences can help riders understand where they can ride, licensing and insurance requirements, and what equipment they need.
Table of Contents
- 1 What Is a Moped?
- 2 Do Mopeds Have to Be Registered in Indiana?
- 3 Where Can I Legally Drive My Moped in Indiana?
- 4 Is a License Required to Operate a Moped in Indiana?
- 5 Do Mopeds Need License Plates?
- 6 Is Insurance Required to Operate a Moped?
- 7 Are Mopeds Required to Have Headlights in Indiana?
- 8 What Should I Do If I Have Been Involved in a Moped Accident?
- 9 Contact an Indiana Moped Accident Lawyer
What Is a Moped?
According to the Indiana Bureau of Motor Vehicles (BMV), a moped is a vehicle with:
- Three or less wheels
- A seat or saddle
- A cylinder capacity of 50 cc or less
It must also meet the equipment requirements under Indiana law to be street-legal.
Do Mopeds Have to Be Registered in Indiana?
Before you can legally drive your moped, you must register it with the BMV. The registration fee is $26.35.
Where Can I Legally Drive My Moped in Indiana?
Mopeds have different restrictions than motorcycles for where they can be driven. The main difference is that while motorcyclists can drive on the interstate, moped riders cannot. Like other motor vehicles, mopeds also cannot go on the sidewalks.
Moped riders can drive on city streets, parking lots, driveways, and other areas with paved surfaces. You may face hefty fines if you try to travel in restricted areas.
Is a License Required to Operate a Moped in Indiana?
You must be at least 15 years old to ride a moped in Indiana. You must also have at least one of the following:
- A valid BMV driver’s license
- A valid BMV learner’s permit
- An unexpired Indiana ID card with a Motor Driven Cycle (MDC) endorsement
Do Mopeds Need License Plates?
Indiana requires mopeds to have license plates. You will receive your license plate when you register your vehicle. Moped plates are a different color than a license plate for motorcycles and other vehicles.
Is Insurance Required to Operate a Moped?
While Indiana requires motorcycle and scooter owners to carry insurance policies, owners of mopeds with an engine capacity of 50cc or less do not need insurance. However, taking out an insurance policy can offer you financial protection if you are involved in an accident.
Are Mopeds Required to Have Headlights in Indiana?
Mopeds are required to have at least one headlight in Indiana. Riding a moped without lights is not only illegal, but it can also significantly increase your risk of suffering injuries in a traffic accident.
What Should I Do If I Have Been Involved in a Moped Accident?
The days following a moped accident can feel overwhelming. Even after receiving the medical care you need, you might feel anxious about expenses and missed time at work. You may also be experiencing a rollercoaster of emotions, as accidents can often cause psychological trauma.
If someone else caused the moped crash, you have a right to file an injury claim to seek compensation for your losses. You can optimize your chances of a successful recovery by:
- Keeping all medical documentation – Items such as emergency room invoices, X-rays, test results, and doctors’ notes can show a connection between the accident and your injuries. They can also help you determine the financial cost of your medical care, which you will submit with your injury claim.
- Collecting your employment information – Documents such as your employment contract, timesheets, and W-2s can help establish your income before the accident. If possible, you should also get a letter from your human resources department confirming any injury-related absences.
- Not giving statements to the insurance company – An insurance adjuster may try to contact you shortly after the accident. While they may frame the conversation as a “courtesy call,” they are often trying to get you talking about the accident. They hope you will accidentally say something they can use to reject or devalue your claim. Politely explain to the insurer that your lawyer will handle any communication.
- Speaking with an experienced moped accident attorney – Handling a moped accident claim alone can be costly. Insurance adjusters know how to take advantage of unrepresented claimants. They will do everything they can to protect the company’s bottom line. A skilled Indiana moped accident attorney will know how to handle the insurance adjuster’s tactics. They can also ensure you demand full and fair compensation.
By following these steps after a moped accident, you can feel confident you’re doing all you can to protect your interests and pursue the compensation you deserve.
Contact an Indiana Moped Accident Lawyer
If you have suffered injuries in a moped accident in Indiana, you need a legal representative who can give you and your case the individualized attention and respect you deserve. The Indiana moped accident attorneys at Truitt Law Offices pride themselves on being excellent listeners. We will use the details of your story to begin a thorough investigation of the accident and:
- Determine who was at fault for your injuries
- Calculate the full value of your losses
- Negotiate aggressively with the insurance company for a fair settlement
- Take the at-fault party to court if the insurer is unwilling to offer you a settlement that will cover your losses
Our attorneys will take care of every aspect of your case while you focus on your physical and emotional recovery. Contact us today to learn more about how we can help you in a free consultation.