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Car Insurance Laws in Illinois That You Need to Follow Strictly

Car Insurance Laws in Illinois require all motor vehicle owners to have minimum amounts of auto liability insurance.  Liability insurance coverage is mandatory in Illinois. Insurance policies must also contain uninsured motorist coverage. Failure to comply with the liability insurance requirement will result in suspension of the vehicle registration. In addition, convictions for driving a vehicle without insurance can lead to fines and to suspension of the vehicle owner’s driver’s license.

In addition, lending institutions may require physical damage insurance to protect their interests in a financed vehicle. When an owner submits a vehicle registration renewal application, his signature on the application indicates that he agrees to maintain the required insurance coverage throughout the registration period. Owners must carry an insurance card, issued by the insurance provider, in their vehicles. An owner must produce the insurance card upon the request of a law enforcement officer.

The minimum liability coverage enacted as part of Illinois auto insurance requirements is $20,000 for injury or death of one person, $40,000 for injury or death of more than one person and $15,000 for injury or destruction of personal property. Illinois requires liability limits of 20/40/15 which represent $20,000 for bodily injury coverage per person and $40,000 for bodily injury cover per accident which will pay for medical bills and lost wages. The total amount of this insurance coverage must be equal to the bodily injury liability limits, unless specifically rejected in writing.

The amount of Uninsured Motorist coverage may never be less than that which is legally required for Bodily Injury Liability Coverage. Illinois auto insurance requirements have been enacted to ensure the safety of all road users and for this reason; the authorities are particularly vigilant when it comes to making sure that all drivers are properly insured. Drivers are required to carry proof of insurance with them whenever they are operating their vehicle. You will be asked for this proof at the time you register your car, at the scene of an accident and when you are pulled over by a police officer. Failure to provide proof will result in a suspension of your licenses plates and a $500 fine.

Auto insurers improve their quote forms every day to increase the completion rates. Today, most companies can give you a quote (Auto Insurance quotes) in less than five minutes. Say, you need at least three of them, within fifteen minutes you may be able to make hundreds of dollars. After getting several car insurance quotes, you have number of options.

There is a chance that at least one highly reliable insurer will deliver a great rate and superior coverage you cannot turned down. Most people need to work at least a day to make that much money. Remember lowering the premium today will most likely offer you lower renewal terms next year as well. Safety is important, so why leave yourself open to potential financial distress by not purchasing the proper insurance? If you want to drive, the Car Insurance Laws in Illinois require your vehicle be insured. So, do a little work today and keep saving for a few years to come.