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Getting the Facts Right by Familiarizing with Illinois Car Insurance Laws

If you are a citizen in the state of Illinois there are some important facts that you are supposed to get straight so that you become a competent driver and car owner. One of the things you need to get right is the Illinois car insurance. The state of Illinois law demands that as a car owner you are required to purchase a liability insurance coverage. This requirement demands that all the car owners should always display Illinois number and license plates on their vehicles. In case there is the injury of a person the law requires that you should have taken a liability insurance of about $ 20,000.

This is the amount required to pay in case there is the death of one person in an accident. In case there is an accident of more than one person or an injury, the requirement is $ 40,000 as a fine. When we come to the issue of properties then the amount of insurance liability is a less though still some substantial amount because you are required to have obtained a liability of $ 15,000. This amount is to cater for property damage. Then there is a general insurance policy for the vehicles. This kind of insurance is called the Uninsured Motorist Coverage. This kind of liability insurance need not be purchased separately.

Illinois car insurance policy requires that all car owners should require the proof of ownership.  When an owner has a registered a vehicle his signature on the application indicates that he has agreed to maintain the required insurance coverage throughout the registration period. Vehicle owners are also supposed to pass a verification test. The state of Illinois usually sends a verification form to the vehicle owners. These motor vehicle owners have their registration records randomly selected by a computer program. If the motor vehicle owner fails to return the insurance verification form, the vehicle registration will be suspended for three months.

Then there are the fines. As in each state there are hefty fines for operating an uninsured vehicle. In the state of Illinois the minimum fine for operating an uninsured vehicle is $ 500. The minimum fine for operating a car which has been suspended for lack of insurance is $ 1000. For a first offense, the vehicle registration is suspended until the owner pay $ 100 reinstatement fee and submits proof of insurance. An offense which has been repeated usually results in four-month suspension.

Then the owner of a vehicle who commits a third offense, or who is placed under court supervision for violating insurance liability requirement, must file a proof of financial responsibility with the state for three years. If a motor vehicle owner fails to submit a proof of financial responsibility will lead to suspension of the owner’s driver’s license.

It is therefore very important if you are living in the state of Illinois and you are Motor vehicle owner to observe the Illinois Car Insurance Laws. As a driver it is important that you know these rules by heart and adhere to them.