1. What auto insurance requirements must drivers meet in Illinois?
Drivers in Illinois must have at least liability coverage that meets the state’s minimum requirements. The minimum required auto insurance coverage limits are 25/50/20, which stands for:
-$25,000 bodily injury liability per person
-$50,000 total bodily injury liability per accident
-$20,000 for property damage per accident.
In addition, most drivers must carry uninsured and underinsured motorist coverage in Illinois.
2. What proof of insurance is required to obtain a driver’s license in Illinois?
In the state of Illinois, a driver must provide proof of financial responsibility in order to obtain a driver’s license. This can be done by providing proof of insurance, such as an insurance card or binder, or a liability insurance certificate.
3. Are there any exceptions to the minimum auto insurance limits for drivers in Illinois?
Yes, there are a few exceptions to the state’s minimum insurance limits for drivers in Illinois. For example, drivers who are members of certain automotive clubs or associations may be eligible for a lower minimum liability limit. Additionally, some drivers in the state may be exempt from carrying liability insurance if they have an approved financial responsibility bond or certificate, or if they are part of a self-insurance program.
4. What is the minimum bodily injury liability limit for drivers in Illinois?
The minimum bodily injury liability limit for drivers in Illinois is $20,000 per person injured and $40,000 per accident.
5. Is personal injury protection (PIP) required for drivers in Illinois?
No, personal injury protection (PIP) is not required for drivers in Illinois. However, it is a type of optional car insurance coverage that can provide you with financial protection if you are injured in a car accident.
6. How long do drivers in Illinois have to provide proof of automobile insurance after registering their vehicle?
In Illinois, drivers must provide proof of automobile insurance at the time of vehicle registration. Proof of insurance must be kept in the vehicle at all times and drivers must be able to produce the proof of insurance upon request by a law enforcement officer.
7. Does Illinois require uninsured/underinsured motorist coverage?
Yes, Illinois does require that all drivers carry uninsured/underinsured motorist coverage. This type of coverage can help protect drivers if they are involved in an accident with someone who does not have insurance or does not have enough insurance to cover the costs of the accident.
8. What are the penalties for driving without insurance in Illinois?
In Illinois, the penalty for driving without insurance is a minimum fine of $500 and a mandatory suspension of the driver’s license for four months. Depending on the individual circumstances, the fine can increase up to $1,000 and the license suspension can be as long as one year. Additionally, an uninsured motorist may have to pay restitution for any damages they caused and could face up to one year in jail.
9. Is it legal to operate a motor vehicle without insurance in Illinois?
No, it is not legal to operate a motor vehicle without insurance in Illinois. All drivers in the state must carry a minimum amount of liability insurance to cover damages that may be incurred in an accident.
10. Does Illinois offer low-cost auto insurance plans for drivers?
Yes, Illinois offers a variety of low-cost auto insurance plans for drivers. These plans can be found through various insurers and can provide coverage at lower rates.
11. How does a driver reinstate their license after being convicted of driving without insurance in Illinois?
To reinstate a driver’s license after being convicted of driving without insurance in Illinois, the driver must pay a $100 reinstatement fee and provide proof of insurance. The driver may also need to complete a driver safety course or designated counseling. Finally, the driver must provide proof of identification, such as a valid driver’s license or state ID card.
12. What forms of proof of auto insurance are accepted by the DMV in Illinois?
The accepted forms of proof of auto insurance by the Illinois DMV include: an insurance card issued by an insurance company, a copy of an insurance policy, or a document from your insurance company that includes your name, the policy number, and the effective dates of the coverage.
13. Are there any restrictions placed on auto insurers in Illinois regarding the minimum amounts of coverage they must offer?
Yes. Auto insurers in Illinois must offer minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. They must also offer uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
14. Does Illinois require motor vehicle operators to carry liability coverage on their vehicles?
Yes, Illinois requires motor vehicle operators to carry liability coverage on their vehicles. Illinois motorists must carry a minimum of $25,000 in liability insurance coverage for bodily injury per person, a minimum of $50,000 in liability insurance coverage for bodily injury for two or more persons, and a minimum of $20,000 in liability insurance coverage for property damage.
15. How often must drivers in Illinois update their proof of auto insurance with the DMV?
Drivers in Illinois must update their proof of auto insurance with the DMV annually when renewing their vehicle registration.
16. Does Illinois require drivers to purchase uninsured motorist property damage coverage?
Yes. Illinois requires drivers to purchase uninsured motorist property damage coverage of at least $20,000.
17. Are there any special discounts available for drivers who purchase auto insurance in Illinois?
Yes, there are several special discounts available for drivers who purchase auto insurance in Illinois. These discounts can be applied for things like good driving records, taking defensive driving courses, insuring multiple vehicles, and more. It is important to contact your insurance provider directly for more information about the discounts available.
18. Is there a grace period for providing proof of auto insurance to the DMV in Illinois?
Yes. In Illinois, the Secretary of State’s office gives drivers a grace period of 10 days after the expiration date of their insurance policy to provide proof of insurance to the DMV.
19. How much does the average auto insurance policy cost for drivers in Illinois?
The average cost of auto insurance in Illinois is $1,941 per year.
20. What type of documentation do I need to provide when getting a driver’s license in Illinois?
In order to get a driver’s license in Illinois, you must provide proof of identity, residency, social security number, and a valid medical certification if required. The primary document needed for all applicants is a valid unexpired U.S. passport, passport card, permanent resident card (green card), or an employment authorization card. Other documents accepted include certified copies of a birth certificate, driver’s license or state identification card from another state, or a U.S. military ID card. In addition, two documents to prove residency in Illinois are also required. These can be in the form of a utility bill, bank statement, or paycheck stub issued within the last 90 days. Finally, you must also provide proof of Social Security number. This is usually in the form of a Social Security card or an official document from the Social Security Administration showing your name and Social Security Number.