You just watched what happened to Andre. One tap on a tablet signed 31 screens in 8 minutes, and one of those pages (allegedly) left his teenage son off the policy. When his son hit a deer, the claim was denied. A jury awarded $2 million to punish the company. Indiana law turned it into a $12,500 check. Indiana got 1 thing right out of 9. That's a failing grade. Sign now and tell Indiana's leaders: stop protecting insurance companies and start protecting drivers.

Andre did everything right. His son Mateo just got his license, so on his lunch break Andre bought a policy for $89 a month. The agent swiped through 31 screens for him in 8 minutes. One tap signed them all. Page 23 (allegedly) said "Excluded driver: Mateo Castillo," with initials Andre never wrote. He paid 11 months, $979, for coverage that didn't cover his son. Then a deer came out of the corn. The claim was denied. That company was First Acceptance. Allegedly.

Andre isn't real. These Indiana laws are VERY real. Here is what any Indiana driver faces when an insurance company leaves them stranded:

1. One tap counts as your signature. An electronic signature is yours if it was "the act of the person" (Ind. Code § 26-2-8-108).
2. You "should have read it." Indiana courts say insureds have "a duty to read and to know the contents" of their policies (Safe Auto v. Enterprise Leasing, 2008; Morgan v. Dickelman, 2022).
3. Paying means you meant it. Money "voluntarily paid with a full knowledge of all the facts" "cannot be recovered back" (Time Warner v. Whiteman, Ind. 2004).
4. Keeping the policy so your family stays insured can count as approving it: "the receipt of benefits with knowledge" (Heritage Development v. Opportunity Options, 2002).
5. You can't sue under the state's unfair-claims law. It "provides no private cause of action" (Ind. Code § 27-4-1-4.5; Erie v. Hickman, Ind. 1993).
6. Turn down a qualified settlement offer, land under it, and "the court shall award attorney's fees" to the other side, up to $5,000 (Ind. Code § 34-50-1-6).
7. Punishment is capped at three times the damages or $50,000, whichever is greater. A $2 million jury award became $50,000 (Ind. Code § 34-51-3-4).
8. The state takes 75% of the punishment award. The driver gets 25%. $50,000 became a $12,500 check (Ind. Code § 34-51-3-6).

The one thing Indiana got right: you can sue an insurer in tort for bad faith (Erie v. Hickman, 1993). One out of nine.

We ask Gov. Braun, Attorney General Rokita, Commissioner Lambert and the Indiana General Assembly to:
1. Lift the punitive damages cap when an insurer acts in bad faith toward its own customer.
2. Let the driver who was wronged keep the punishment award instead of sending 75% to the state.
3. Give drivers the right to sue under the unfair-claims law.
4. Require excluded drivers to be listed on a separate page the customer reads and signs, in plain words, before any e-signature counts.
5. Stop using the "duty to read," ratification and voluntary-payment rules against drivers who were never shown the page.
6. Let drivers get back premiums paid for coverage they never knowingly gave up.
7. End the settlement-offer fee trap for everyday drivers suing their own insurer.

This isn't one bad agent. It's a system that makes fighting back too expensive for working people. Indiana drivers are required by law to buy insurance. Indiana law should protect them when that insurance leaves their family exposed.

Sign this petition, then call your lawmakers: every Indiana lawmaker's number is free at the link in bio (https://linktr.ee/thepeoplehavespoken1

We are watching how you vote.