Uninsured Illinois automobile owners will face severe sanctions

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State regulations and penalties differ when it comes to uninsured driving. As for Illinois, around 12% of local car owners did not have active insurance in 2019. However, choosing to go uninsured in Illinois might lead to substantial fees and strict sanctions. 

Minimum insurance degree required by the state legislation

Like the majority of U.S. states, Illinois obliges automobile owners to acquire a base level of coverage. As a rule, the base level includes material losses, physical harm, and uninsured motorist coverage.

Penalties for uninsured driving in Illinois

The Illinois digital insurance verification system, also known as ILIVS, allows monitoring and tracking the insured transport around the state. The system requirements include regular reporting to the Secretary of State on behalf of insurance providers. It means that they are required to submit daily reports on the present state of all the newly acquired and canceled policies.  

If it is your first offense, you will be obliged to pay a fine reaching $1,000. The second or third-time offense might lead to higher and more significant sums. 

However, being a first-time offender does not mean that your license cannot be suspended. In specific cases, you can lose a license for around three months as a first-time offender. If the situation repeats, you will not be able to drive legally for four months or even more. Automobile owners are expected to pay a fee of $100 to get the permit back.

Uninsured driving can also be a cause of automobile impoundment in Illinois. Police have the right to tow and impound the car should they deem it necessary. In this case, an owner will have to pay the fee to get the automobile back. 

Once the offense took place, you are likely to be considered a high-risk driver. It means that looking for insurance can become more complicated since you will have to afford higher premiums. 

Being a repeat offender in Illinois might lead to court supervision with a requirement to receive an SR-22 certificate. In this case, automobile owners should bear in mind that not keeping up with the SR-22 requirements can result in permanent license suspension.

What if you get into an accident with no active coverage?

Getting into an accident uninsured can result in numerous sanctions, fines, and penalties. When it comes to automobile accidents in Illinois, the level of punishment depends on the party at fault. 

If you are a victim, bodily harm claims can be made through the at-fault party’s insurance provider for physical injuries or material losses. However, if you caused an accident,  you will be covered by the other automobile owner’s uninsured motorist coverage. It could take a while to process this type of claim, but the insurance provider will probably take legal action against you to collect the losses.


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