What are the penalties for Uninsured driving in Illinois?
Driving without insurance can result in severe penalties. Driving without insurance can result in severe penalties in all states. It's illegal to drive in Illinois without insurance, but according to the Insurance Information Institute(iii), in 2019 nearly 12% of Illinois drivers had no insurance. Driving without insurance in Illinois can result in large fines and even revocation of your driver's license.
Illinois requires minimum insurance.
Illinois, like most other states in the United States, requires drivers to have a minimum amount of statutory insurance. Minimum coverage includes uninsured drivers, personal injury and property damage.
Liability insurance must cover personal injury up to $25,000 per person and up to $50,000 per accident. The property damage requirement must be $20,000 per incident. Illinois also requires drivers to have personal injury insurance from uninsured motorists for $25,000 per person and $50,000 per accident.
There are severe penalties for driving without insurance in Illinois.
Depending on the type of violation, you may be fined or have your license revoked. Driving without insurance can result in:
Fines
The first offense will result in a $1,000 fine. However, penalties may be much higher for subsequent offenses.
License suspension
If you are a first-time offender, your license may be suspended for three months and if you’re a repeat offender, up to four months. You will be required to pay $100 for a license reinstatement fee if your license has been suspended.
Vehicle seizure
Illinois law allows police to legally tow and seize uninsured vehicles. Fines may vary.
Higher insurance premiums
Insurance companies will classify you as a high-risk driver as soon as they discover you are driving without insurance. If you're looking for insurance, you'll probably have to pay more.
SR-22 requirements
If arrested for uninsured driving, he must obtain an SR-22 insurance card for three years. The SR-22 is a certificate that proves you have the minimum insurance required by the State of Illinois. The state can suspend your license if you do not meet the requirements of SR-22.
Illinois Online Insurance Review Program Fees
Illinois offers a digital insurance verification program for drivers and businesses. A new state law effective August 30, 2019, introduced the Illinois Verification System, "ILIVS." This system monitors and tracks insured vehicles. All Illinois insurance companies are required to file daily reports with the Secretary of State on all new or canceled policies. Below is a table showing the fees drivers are expected to pay through the government's online insurance verification system.
Reason for Fee Amount
Driving without insurance? at least $500
Driving with a suspended license plate for insurance violation $1000
If you drive without insurance, leave your car in the city. Prices may vary.
Reinstatement of suspended license $100
uninsured in an accident
Uninsured Illinois drivers involved in an accident can face a variety of penalties, including fines and license suspension. Uninsured drivers in Illinois may face penalties if they are involved in an accident. It all depends on who caused the accident.
In the event of personal injury or property damage, liability can be claimed against the negligent driver's insurance company, provided there was no negligence. If you are at fault for the accident, you must take out the other party's uninsured car insurance. It may take several months for the claim to be processed, but the driver's insurance company may file a lawsuit against you to recover the damage.
Frequently Asked Questions
What happens if I give false information about my insurance?
If you are caught driving without insurance, you will face severe penalties. False information about insurance can lead to even higher fines and imprisonment. Fines up to $2000 or imprisonment for 6 months.
How much does auto insurance cost in Illinois?
The average cost of auto insurance is $1,485 for full coverage and $442 for minimum coverage. Auto insurance in Illinois is typically a little less than the national average of $1,674 a year and offers full coverage. Fares may vary depending on ticket, credit history and other factors.
Can the online insurance verification system automatically verify if I have insurance?
yes. Insurance companies verify coverage through the Illinois online insurance verification program when a policy is purchased. We recommend that you always have your insurance card with you, but the police have access to a screening system if you are stopped or have an accident.
Can I go to jail without insurance?
You are unlikely to go to jail for driving without insurance. A fine of $1,000 may be imposed for the first offense. Driving without insurance can result in fines of up to $1,000. If you are arrested again, you will have to pay another fine and your license could be suspended for several months.
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