If you are stopped for a traffic violation or are involved in an accident, a law enforcement officer can issue a traffic ticket if you cannot provide evidence that you are insured. Therefore, the consequences of having an accident without insurance will depend on who is at fault. If you don't have insurance and are found to be at fault for the accident, the other driver can sue you for the cost of the damages. Since medical bills and car repairs can be quite expensive, having an at-fault accident without insurance can result in significant financial hardship.
It's a good idea to know a little about the insurance coverage that covers the vehicle you're borrowing and to have proof of the insurance policy prepared in case you're involved in a car accident while driving an uninsured motor vehicle. Compulsory insurance law is crucial, as its liability coverage protects drivers from paying a fortune for damages in the event of a car accident. Car insurance is mandatory to ensure that all drivers can cover the damage caused in the event of an accident, through their insurance policy. However, they are applied in two different ways, including through a random sampling process through questionnaires by which the state sends forms to random drivers asking them to verify the name of their insurance company and the policy number, or by verifying proof of insurance during traffic stops or through a random operation.
In Illinois, car insurance follows car insurance, so as long as the vehicle you're driving is insured, you won't face any penalties for not having your own insurance coverage. While you can customize your insurance policy based on your driving needs, Illinois requires that a minimum amount of vehicle liability be included in every insurance policy. However, if you haven't been found guilty of this crime in the past, obtaining and showing valid auto insurance in court could allow you to obtain only judicial supervision without the suspension of your driver's license. Worse yet, the driver's car insurance company doesn't care if you're the first offender or not, and they can sue you to recover your losses.
So yes, it's illegal to drive without car insurance, even if you follow the rules of the road while driving and have never had an accident. Just think about the cost of car repairs, medical bills, and other expenses for pedestrians, drivers, and passengers who suffer bodily injuries or have their motor vehicles damaged in a car accident that you cause. If you must have court supervision or have had three or more convictions for driving without appropriate insurance, you should ask your insurance company to file SR-22 insurance to the Secretary of State every month for three or more years. Driving with affordable car insurance is a much more financially sensible option than the potential cost of driving without insurance, considering the possibility of fines and even an accident.
Oxford Auto Insurance states that the best way to avoid any penalties associated with driving without insurance in Illinois is to always ensure that you have valid and adequate insurance, as well as proof of that at all times. After you've received a ticket for driving without it, buying car insurance isn't a valid defense in court.