What are the Mandatory Auto Insurance Laws in ILLINOIS ?

Mandatory Insurance Laws are not only applicable for Health Insurance,But similar rules are also applied when a driver purchases car insurance.

Complying with the Law

You are in compliance with the mandatory insurance law if you have vehicle liability insurance in the following minimum amounts: 

• $20,000 - injury or death of one person in an accident
• $40,000 - injury or death of more than one person in an accident
• $15,000 - damage to property of another person

You must always carry your insurance card in your vehicle and show it upon request by any law enforcement officer. Your insurance company will send you an insurance card, usually when your insurance policy is issued or renewed.

Your signature on the Vehicle Renewal Registration Application affirms that your vehicle will be properly insured throughout the registration period.

 You may make a call to here for additional questions : -

Call:
(217) 524-4946

Enforcement

Enforcement of the mandatory insurance law is accomplished through a random questionnaire sampling process and the issuance of traffic tickets.

• If the computer randomly selects your vehicle, you will receive a questionnaire asking for the name of your insurance company and policy number. Your answers will be verified with the company you name. If you do not have insurance or fail to return the questionnaire with the requested information, your license plates will be suspended.
• If you are stopped for a traffic violation or involved in an accident, a law enforcement officer may issue a traffic citation if you are unable to provide evidence of insurance. If convicted, your license plates will be suspended and you will face the following fines:
  
  
  • minimum $500 fine for driving uninsured
  • minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation

Purchasing Insurance

Contact an insurance agent to purchase liability insurance for your vehicle. Some companies do not sell insurance to vehicle owners who have been driving uninsured. If you have problems buying insurance, ask your insurance agent about the Illinois Automobile Insurance Plan.

You may call to the Illinois Insurance department for further info: (217) 782-4515.

Suspension and Reinstatement

The license plates of first time offenders are suspended until a $100 reinstatement fee and current evidence of insurance are provided. Repeat offenders are required to serve a four-month suspension period, pay the $100 reinstatement fee and provide current evidence of insurance before being eligible for reinstatement.

While the license plates are suspended no one may operate your vehicle; however, you may operate other vehicles that are insured.

Vehicles Affected

Liability insurance is required for all motor vehicles that must display license plates and are being driven, including cars, vans, motorcycles, recreational vehicles, trucks and buses. Trailers are not required to have liability insurance.