Illinois auto insurance is strict. It is mandatory for every vehicle in Illinois to be insured.
Failure to comply with this law will result in the suspension of the registration of the vehicle. Illinois auto insurance law provides for a minimum of 55 USD fine for vehicle owners without insurance (July 2009). That is driving a vehicle without the prescribed auto insurance. If you are caught driving a vehicle whose registration has been suspended for lack of auto insurance, the minimum fine is placed at 1,000 USD. A heavy fine for offenders is expected to deter future violations in this state. This law applies to all vehicles with Illinois license plates.
Aside from the Illinois auto insurance requirements, state law also provides for specific details on insurance policies. Twenty thousand US dollars (20,000 USD) is the minimum liability coverage that could satisfy this state law. It further provides for a forty thousand US Dollar (40,000 USD) minimum coverage for one person in case of accident or death, and a fifteen thousand US dollar (15,000 USD) minimum coverage for damage to property.
Upon demand, the vehicle owner should be able to produce and present proof of ownership and insurance to a law enforcer. In this case, the vehicle owner must always carry with him an insurance card that will reflect such information. The Illinois auto insurance law is enforced through a random questionnaire that is sent to pre-selected vehicle owners through a computer program owned by the state. Failure to return said insurance verification form will result to the suspension of the vehicle owner. The Illinois auto insurance law further provides for the suspension of vehicle registration if the owner of the subject vehicle has received a traffic ticket and also convicted of driving a vehicle that has no vehicle insurance. First time offenders incur vehicle registration suspension until a 100 USD fine is paid as reinstatement fee. The vehicle must be able to submit proof of vehicle insurance upon reinstatement. A second time offender will be placed on a four month vehicle registration suspension. Third time offenders are placed under court supervision.
The Illinois state law on mandatory auto insurance has been one of the milestone laws in consumer protection and vehicular safety. It professes a way for the state to enable its citizens to be ably protected in cases of accident, damage to property and even death. In compliance with this law, citizens are encouraged by insurance providers and thus it helps put up an efficient insurance system that will be both beneficial to the consumer and the service provider. Law enforcement in the state of Illinois is strict when it comes to this policy. Vehicle owners are apt to follow this.