The state of Illinois carries a particularly had line when it comes to mandatory car insurance laws. Although this may seem bad for the person caught without insurance, it helps bring Illinois car insurance rates down. What some people don’t realize is that an accidentin and of itself isn’t a huge cause in the rise of car insurance rates. As a matter of fact, the number of fraudulent claims and accidents involving uninsured motorists are big causes of the driving up of rates in states like Illinois every year.

Whenever you go to get your registration in Illinois, they check to make sure you have car insurance, and you can not renew it without proof. The proof of car insurance is a card with all of your insurance information that your car insurance company sends you whenever you first get a policy or when you renew it. You are required by the state of Illinois to have the following car insurace coverage:

• Injury/death liability for a single person is $20,000
• Injury/death liability for multiple people is $40,000
• Property damage liability is $15,000

If you are out driving without car insurance, the expenses are huge. If you get pulled over by a cop for commiting a traffic violation, or even for something small like having a light out, your insurance will be checked. If you don’t have it, you get hit with a five hundred dollar fine. It’s even worse for people whose plates are already suspended because they’ve driven without insurance before. For them, the amount is a thousand dollars.

Even if you aren’t caught while driving, you can still be found out for not having car insurance coverage. The reason for this is that the Illinois DMV has a computer system that randomly mails questionairres to people and you have to fill it out to provide your car insurance information. If you don’t fill it out with the information, you could be fined.

Cheers,

Fashun Guadarrama.