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.