IC 8-2.1-19.3-6: Coverage exclusions; duty to defend; indemnify; right of contribution

Sec. 6. (a) An insurance company that excludes coverage described in section 5 of this chapter has no duty to defend or indemnify a claim for coverage that is expressly excluded under a motor vehicle insurance policy.

(b) This chapter does not invalidate or limit an exclusion:

(1) of coverage for a personal vehicle that is used for delivery or any other business use; and

(2) contained in a motor vehicle insurance policy;

including a policy filed under IC 27-1-22-4 or in use in Indiana before July 1, 2024.

(c) An insurance company that defends or indemnifies a claim against a DNC driver for which coverage is excluded under the terms of a motor vehicle insurance policy has a right of contribution against any other insurance company that issues motor vehicle insurance coverage to the DNC driver:

(1) in satisfaction of the requirements of section 3 of this chapter; and

(2) in effect at the time the loss occurs.