The laws regarding auto insurance in Illinois can be pretty harsh. So
it is a good idea to have your head around them before you look into
getting auto insurance quotes in Illinois. The first and most obvious
point is that it is mandatory that every vehicle be insured. This is
pretty much true throughout the nation, and should come as no surprise
to anyone. If you drive without insurance, you can have the registration
on your car suspended, and might be responsible for a fine of a minimum
of 55$. If you are caught driving a vehicle with a suspended
registration, then the fines can shoot up well over 1000$. The theory
behind this is to attempt to deter you from violating the law again, and
harsh penalties like that are hardly worth the risk. If your car has an
Illinois license plate, then these laws apply to you.
Getting down to brass tacks, the actual requirement for insurance is
only the start. There are also minimums that the state requires. The
liability requirements mean you need to have at least 20,000$ in
coverage in case you are at fault in an accident to cover any obligation
for repairs on your part. Beyond that, the law requires you to have at
least 40,000$ in case of injury or death. The minimum requirement for
damage to property is 15,000$ so that any damage you do will be
mitigated though the insurance company.
Another aspect of the auto insurance laws in Illinois
is that you are required by law to carry with you proof that your car
is insured, and this can be requested by a police officer at any point
they deem necessary. These laws are enforced though a random
questionnaire that is sent out to random vehicle owner's throughout the
state. If you fail to return this questionnaire then you can face fines
and the suspension of your vehicles registration. Insurance on the car
needs to be shown prior to it being reinstated. The second time the law
is broken the vehicle gets suspended for four times longer, and after
that the person breaking the law gets put under court supervision.
Illinois has been at the forefront of protecting its citizens though
proper vehicle safety laws. This allows drivers to drive knowing that
should an irresponsible driver strike them, they are protected. Getting
proper insurance is of the utmost importance, and getting good auto insurance quotes
in Illinois can mean the difference between losing your license and
being protected. Getting proper auto insurance quotes in Illinois is
easy with use of the Internet to quickly sort through the various
insurance companies. With the right auto insurance quotes in Illinois
you be a safe from the strict Illinois laws.
