MVA and home improvement leads in Indiana
Indiana had 6,973,333 residents in the Census Bureau estimate for July 1, 2025. It is an at-fault state governed by a Comparative Fault Act that bars a claimant whose fault is greater than everyone else's, it allows two years to sue, and it runs its own Do Not Call list that treats a text as a sales call. This page covers what those rules mean for Indiana MVA and home improvement campaigns.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including Indiana. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Indiana lead supplyIndiana MVA leads: financial responsibility and the Comparative Fault Act
Indiana uses a fault-based system. The Bureau of Motor Vehicles states that "a person may not operate a motor vehicle in Indiana if financial responsibility is not in effect," and after a crash for which the BMV receives an accident report, the driver must have the insurer file a Certificate of Compliance within ninety days or face suspension. The Indiana Department of Insurance adds that each newly written auto liability policy must include uninsured and underinsured motorist coverage unless the policyholder rejects it in writing. When the other driver had no insurance, the claimant's own UM coverage may still fund the claim, so an insurance status field is useful on Indiana leads.
Fault is set by the Indiana Comparative Fault Act. Under Indiana Code 34-51-2-6, the claimant is barred from recovery if the claimant's contributory fault is greater than the fault of all persons whose fault proximately contributed to the claimant's damages. Section 34-51-2-7 lets the jury assign part of the fault to a nonparty, so the percentages for the parties in the suit may total less than 100 percent. An Indiana firm wants to know about every driver involved, not only the one it plans to sue.
Section 34-51-2-2 adds a limit that matters for intake: the chapter "does not apply in any manner to tort claims against governmental entities or public employees" brought under IC 34-13-3. A crash with a city truck, a school bus or another public vehicle follows different rules, and firms often want those leads flagged or routed separately.
Timing follows Indiana Code 34-11-2-4: an action for injury to person must be commenced within two years after the cause of action accrues. Buyers set a maximum accident age well inside that period so the firm has time to investigate, gather treatment records and file.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
Indiana home improvement leads: 70.6 percent owners, 1976 housing
The Census Bureau puts the Indiana owner-occupied housing unit rate at 70.6% for 2020-2024, so seven in ten Indiana households own the home they live in. Most requesters can sign for roofing, siding and gutters or window work themselves, and homeowner confirmation still screens out the renters.
The median year structure built for Indiana housing units is 1976 in the ACS 5-year estimates for 2020-2024, meaning half were built in 1976 or earlier. Homes of that age are into their second or third roof and often due for windows, siding and bathroom updates. Indiana buyers filter on project type and then pick the ZIP codes their contractor clients serve.
Indiana has no single statewide license for home improvement contractors. The Attorney General's consumer guidance notes that licensing requirements vary from community to community and sends homeowners to the local city or county building department, so a contractor's license status depends on where the job is. Indiana does regulate the sale itself: under the Home Solicitation Sales Act, Indiana Code 24-5-10-8, a consumer may cancel before midnight of the third business day after the later of receiving the required cancellation notice or finally agreeing to the contract.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records and the Indiana Do Not Call list
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
Indiana adds its own Telephone Solicitation of Consumers law, Ind. Code art. 24-4.7, to the federal TCPA. It runs a state Do Not Call list that covers residential, wireless and VoIP numbers, and treats a text message to a wireless number as a telephone sales call. Telemarketers purchase the list of numbers they may not call; the Attorney General publishes it four times a year, on January 1, April 1, July 1 and October 1. The established business relationship exemption is narrower than federal rules and applies only to listed types of callers. Each Indiana lead carries its consent record (opt-in wording, timestamp, IP address, page URL), and buyers that call or text Indiana leads should check how the state list applies to their own program.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
Indiana facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based (tort); financial responsibility required to operate a vehicle | Proof of Financial ResponsibilityIndiana Bureau of Motor Vehicles |
| Uninsured and underinsured motorist coverage | Included in each newly written liability policy unless rejected in writing | Auto InsuranceIndiana Department of Insurance |
| Personal injury statute of limitations | Two years (Ind. Code 34-11-2-4) | Indiana Code 34-11-2-4Justia |
| Comparative fault rule | Modified: barred if the claimant's fault is greater than the fault of all others who contributed (Ind. Code 34-51-2-6) | Indiana Code 34-51-2-6, Barring of recovery; degree of contributory faultJustia |
| Nonparty fault | Jury may assign fault to nonparties (Ind. Code 34-51-2-7) | Indiana Code 34-51-2-7, Nonparty faultJustia |
| Claims against government | Comparative Fault Act chapter does not apply (Ind. Code 34-51-2-2) | Indiana Code 34-51-2-2, Governmental entitiesJustia |
| State telemarketing law | Telephone Solicitation of Consumers, Ind. Code art. 24-4.7 | Do Not Call FAQs (Ind. Code art. 24-4.7)Indiana Attorney General |
| Population | 6,973,333 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: IndianaU.S. Census Bureau |
| Owner-occupied housing unit rate | 70.6% (ACS 2020-2024) | QuickFacts: IndianaU.S. Census Bureau |
| Median year structure built | 1976 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: Indiana (ACS 5-Year 2020-2024)U.S. Census Bureau |
| Contractor licensing | Set locally; licensing requirements vary from community to community (Indiana Attorney General) | Storm Chasers consumer guidanceIndiana Attorney General |
| Home solicitation cancellation | Three business days after the later of the cancellation notice or final agreement (Indiana Code 24-5-10-8) | Indiana Code 24-5-10-8, Cancellation of transactionJustia |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Indiana lead buying questions
Is Indiana an at-fault state for car accidents?
Yes. Indiana requires financial responsibility to operate a vehicle, and an injured person claims against the driver who caused the crash. There is no no-fault threshold.
Can a partly at-fault Indiana claimant still recover?
Yes, unless the claimant's fault is greater than the fault of all persons whose fault contributed to the damages, under Indiana Code 34-51-2-6. Recovery is then reduced by the claimant's share.
Why do Indiana buyers ask whether a government vehicle was involved?
Indiana Code 34-51-2-2 says the Comparative Fault Act chapter does not apply to tort claims against governmental entities or public employees, so those claims follow different rules and are often routed separately.
How long do Indiana accident victims have to file suit?
Two years after the cause of action accrues for injury to person, under Indiana Code 34-11-2-4.
Does the Indiana Do Not Call list cover text messages?
Yes. The Indiana Attorney General states that a telephone sales call includes a text message sent to a wireless number, and the list covers residential, wireless and VoIP numbers. This is a summary for education, not legal advice.
Can we start with a small Indiana test?
Yes. Buyers set filters (vertical and sub-type, states or ZIP codes, other criteria) and daily caps, and new buyers usually start with a small test volume to check quality before scaling.
Request Indiana lead supply
Tell us the verticals you buy in Indiana, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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