Not all Spiders are poisonous to human beings. Among black spiders the one you need to be most concerned with is the "black widow" with the infamous red marking on its abdomen.
The following website has some good descriptions of spiders that live in Indiana:
http://www.ehow.com/how_6168682_identify-spiders-indiana.html
yes all black and yellow spiders in the U.S or Canada is highley poisonous
Black Widow
Northern Black Widows are the only known severely poisonous spiders in Vermont.
Most spiders in general are considered pests. Black Widow spiders are relatively poisonous and thus considered more of a pest than many spiders.
Some spiders are white. So are scorpions. The spiders can sometimes be poisonous or non- poisonous so can scorpions.
All spiders, technically, are poisonous, but I do not believe barn spiders are dangerously poisonous.
The two types of poisonous spiders in New Mexico of the Black Widow and the Brown Spider. The blanca, desert, and Apache are all species of Brown Spider.
Yes, some striped spiders are poisonous.
Things like snakes and some spiders are poison
Black Widows, Katipos, Daddy Longlegs <--(Don't be shocked.).
Rattle Snakes, Black widdow spiders and Brown Recluse spiders,Wood Ticks
Some spiders, like the black widow have dangerous venom that can kill a dog, or even a human.