In Illinois, all drivers must have car insurance for every motor vehicle they own including cars, motorcycles, trucks, and buses. All drivers must carry their insurance card, issued by the insurance company upon issuance or renewal of the insurance policy, with them at all times and be willing to show it to any police officer that asks. While it is very important to always keep your insurance card with you at all times, if you forgot it but the insurance policy is up to date some officers will allow you to prove that you have current insurance in either court or by mail to avoid a penalty. In Illinois, if a person is found to be driving without car insurance, the first offense will result in the suspension of the drivers license until the driver pays a $100 fee and shows prove of current evidence. According to Cyber Drive Illinois, the driver will also be fined $500 for driving without insurance and will be fined $1000 for driving the same car in the time period in which the license plate is suspended. Aside from just checking at traffic stops or after accidents, Illinois has started randomly selecting cars and sending the owners a questionnaire asking for current insurance policy information, and that information will be double checked with the insurance provided. To read more about the Illinois requirements for car insurance and where you can obtain car insurance, please click on this link.
The Chicago injury attorneys at Levin & Perconti strongly believe in the importance of car insurance, not only to keep drivers from getting fines, but to protect drivers in the event of a car crash. Under Illinois law, the minimum amount of insurance required is as follows: $20,000 for the injury or death of one person in a car accident, $40,000 for the injury or death of more than one person in a car accident, and $15,000 for damage to another person’s property. While this is the state required minimum, there are certain more extensive types of policies that can protect and cover drivers even if the other person involved in the accident and who is at fault has little or no insurance themselves. One type of policy that is available in Illinois is underinsured motorist policy which means that you are protected by your insurance company and can recover damages when the other driver that caused the accident’s minimum coverage will not cover the damages. Additionally, in Illinois there is the option of obtaining and uninsured motorist policy. This is similar to the previous policy but means that your insurance company will protect you against uninsured drivers that are at fault for an accident as opposed to drivers with minimum insurance. Levin & Perconti recommends these policies because of how much protection they can offer to drivers in the event of an accident with a driver who is at fault but their insurance will not be able to cover the damages of the driver who is not at fault. Damages from a car accident can be extensive, so it is always good to protect yourself and your loved ones by having a thorough and extensive car insurance policy.