State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Indiana F&I Product Cancellation Rights
Under Indiana Motor Vehicle Service Contract Act, Indiana gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Up to $10,000 per violation.
Quick Answer
In Indiana, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $10,000.
Purchased F&I products in Indiana?
Check your rights under Indiana law
Key Indiana Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Contract Requirements | IC 27-1-43.2-12 | Service contract must include cancellation and refund terms |
| Insurance Backing | Required | Provider must carry reimbursement insurance policy |
| Refund on Cancellation | Required | Provider must refund applicable portion upon cancellation |
| Written Disclosure | Mandatory | Contract must be legible with all terms clearly stated |
| Penalty for Violation | Up to $10,000 | Significant financial penalties for provider violations |
Contract Requirements
IC 27-1-43.2-12Insurance Backing
RequiredRefund on Cancellation
RequiredWritten Disclosure
MandatoryPenalty for Violation
Up to $10,000What Indiana Law Requires
Your Cancellation Rights
Under Indiana Motor Vehicle Service Contract Act, Indiana consumers have the right to cancel F&I products purchased from dealers. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
The law is clear — these products are cancellable and refundable. But dealers count on you not knowing that. Upload your contract to see exactly what you're owed.
How It Works
Upload Contract
Upload your vehicle purchase agreement or F&I contract
AI Identifies Products
We find every cancellable product and calculate your refund
Get Cancellation Letter
Download a letter citing exact state statutes
Get a Demand Letter That Cites Indiana Law
Our tool generates a formal f&i product cancellation letter citing Indiana Motor Vehicle Service Contract Act and state-specific provisions for maximum leverage.
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State-Specific Citations
Maximum refund amounts
"Key replacement plan I never wanted. $675 refunded after a single phone call."
— Fishers, IN
$29 to recover up to $950. That's a 32x return.
Frequently Asked Questions
Can I cancel my extended warranty in Indiana?
Yes. Under Indiana Code 27-1-43.2, motor vehicle service contracts must include cancellation terms. Your contract should specify the refund provisions. Providers who fail to honor cancellation face penalties up to $10,000 per violation.
Does Indiana regulate service contracts as insurance?
Indiana service contracts are not classified as insurance (they must state this in the contract), but they are regulated under IC 27-1-43.2 with requirements for insurance backing, disclosures, and consumer protections.
What penalties do Indiana dealers face for violations?
Companies violating Indiana's service contract laws can be fined up to $10,000 per violation. Additionally, the Indiana Department of Insurance can take enforcement action against non-compliant providers.
Where do I file a complaint in Indiana?
File complaints with the Indiana Attorney General Consumer Protection Division at (800) 382-5516 or the Indiana Department of Insurance.
Indiana Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how Indiana's laws compare to other states:
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Average Indiana recovery: $950 · Based on Indiana Motor Vehicle Service Contract Act