Buying a vehicle for the first time can be exciting. Owning a car means freedom and adventure. You'll no longer have to rely on public transportation, hope that your friends and family can take it, or spend a lot of money on taxis and Ubers. It also allows you to better support yourself and your family, since you now have a consistent way of getting to and from work.
Illinois requires that you purchase a minimum amount of car insurance. If you are caught driving without it, you will be fined. Having car insurance is also the best option. You could end up causing an uninsured car accident, and then you will be held personally responsible for the other person's damages or injuries.
The Illinois Department of Insurance has a Consumer Services Division that can answer any questions you may have about car insurance. Underinsured motorist insurance Underinsured motorist insurance is included in uninsured motorist insurance. The Illinois Compulsory Insurance Act requires ALL motorists to have liability insurance for their vehicles or they will face severe penalties. To process the reinstatement, you must contact an insurance agent, obtain liability insurance, and log in to the ILIVS website.
If you are involved in an accident and you or the responsible party are uninsured, contact a car accident lawyer from Staver Accident Injury Lawyers, P. If you have trouble buying insurance, ask the insurance agent about the Illinois car insurance plan. You don't meet all the requirements of Illinois car insurance law simply by buying the minimum policies. The application of the compulsory insurance law is carried out through a process of electronic insurance verification and the issuance of traffic citations.
Other types of optional auto insurance in Illinois Beyond the mandatory minimum coverage, certain optional coverages are available. Proof of insurance most often consists of insurance identification that verifies your name, insurance company, policy number, and effective dates of coverage. The provider is electronically linked to all insurance companies that offer liability insurance policies for vehicles in the state of Illinois. The Illinois car insurance plan Some drivers simply aren't insured through any insurance company, but they still own a car and have a valid driver's license.
If you can't find car insurance because of your driving history or the type of vehicle you own, talk to your insurance agent about the Illinois Auto Insurance Plan. While you might obey the law and buy car insurance right away, other people choose to drive without enough insurance to protect themselves or you in the event of a collision. If the insurance agent quotes the premium incorrectly, the correct amount calculated by the insurance company is the price you will actually have to pay. If you need more than one type of insurance, you may be able to get a discount if you have all your insurance covered by a single insurance provider.