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Illinois Car Insurance Requirements
It is essential for you to have car insurance in Illinois if you want to drive the roads of the state. There are basically two types of auto liability coverage that your insurance policy must contain, and these are the property damage and bodily injury liability coverage.
Bodily injury works in safeguarding your assets, which includes covering expenses associated with any bodily harm that was sustained by the other party. On the other hand, property damage coverage protects your assets if you are legally responsible for any covered accident. Property damage covers certain damage that you might have caused to the property or car of the other party.
Minimum Car Liability Insurance Limits
There is a minimum car insurance coverage that you must possess in the state. When you purchase Illinois auto insurance, you will have to obtain at least the minimum amount that is prescribed by the state law:
- $20,000 for every injured individual in any accident
- $40,000 for all individuals injured in any one accident
- $15,000 minimum coverage for injury or destruction of property to other individuals in any accident
Uninsured and Underinsured Motorist Coverage (UM/UIM) are mandatory, as well. Uninsured coverage pays for expenses brought about by bodily injuries that are caused by any hit-and-fun driver, or one with no car liability policy and who is at fault. The limits in such coverage are $20,000 for every individual and $40,000 for every accident.
On the other hand, UIM coverage pays the difference between the insured?s UIM limits and the limits of the driver who caused the accident; that is, if such limits are less than that of UIM.
Penalties for Driving Uninsured in Illinois
Driving without insurance in Illinois is considered as a petty offense, which means that penalties consisted of fines only. Basically, you will face a fine ranging from $500 to $1000.
However, if you get a ticket for driving uninsured, this can actually result in having to serve prison time at a later date. This is because driving without insurance might mean suspension of driver?s license. And if you drive while your license is suspended, you will commit a Class A misdemeanor. Corresponding penalties involve one year in jail and a $2,500 fine.
Likewise, a ticket that you might obtain for driving without insurance can possibly lead to other problems. For instance, you will then be required to present proof of insurance, which is known as SR22 insurance. If you fail to show your SR22 form, this can result in the suspension of your financial responsibility.
Your SR-22 insurance must be maintained for at least a year. In case, you and your insurer fail to comply with your SR-22 requirement, you will have to face the penalty of driver?s license suspension.
Illinois DUI Laws and Penalties
According to DUI laws of the state of Illinois, driving under the influence means the operation of a vehicle while being impaired due to consumption of alcohol or drugs. Illinois practices the 0.08 percent rule; this means that blood alcohol concentration level that is higher than this figure can cause anyone to be arrested.
However, if you are a driver who shows signs that you are under the influence, there is no need to apply the 0.08 percent limit. The police officer has to power to arrest you based of his observation that you are impaired of your ability to drive. In such a situation, the statement of the officer will hold up in court.
DUI arrests come with various penalties that are based on circumstances involving the arrest. For example, if your blood alcohol concentration level is above the standard limit, the charge can be changed to an aggravated DUI. This can result in you being convicted with a felony. A felony is punishable by at least two years imprisonment and a fine of $10,000.
However, most DUI cases are simply a misdemeanor, and are punishable by:
- Fines of $300 to $1,200
- 10 to 364 days in prison
- Suspension of driver?s license for at least one year
- Attendance in a counseling program
- Completion in a driver education program sponsored by the state
Recommended Optional Insurance Coverage
There are other optional insurance that you can get for your car; they might not be required but including them in your policy is certainly a smart move to make, in terms of assured superior protection.
Comprehensive Coverage
Comprehensive insurance coverage covers repair that your vehicle needs when damage occurs from any non-collision incident. However, such coverage is subject to deductible. Common incidents that are covered by comprehensive include fire, theft, glass breakage, vandalism, and encounter with animals.
Collision Coverage
Collision insurance is utilized to repair your car when damage arises from collision with another car or object. Likewise, this coverage is subject to deductible.
Roadside Assistance
Roadside Assistance coverage is particularly important if you are stranded on the road. This helps pay for fuel delivery, jumpstart and lockout, among many other services.
Medical payments
This pays for necessary expenses for any hospital and funeral services that arise because of a car accident.
Needless to say, you have to obtain auto insurance before you can drive the roads of Illinois. You must be ready to face all possible consequences, whether legal or financial, if you decide to drive uninsured within the state.
Never take the risk of encountering a non-compassionate judge who is more than happy to mete you with penalties and fines in case you are caught driving without insurance. It is certainly a must to drive with car insurance in Illinois.
Start here to get quotes and find cheap car insurance in Illinois
Source: http://www.iqcarinsurance.com/illinois/
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