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Possible Ways on How to Handle Mishaps of Your Illinois Car Insurance

An important thing that you need to keep in mind when it comes to Illinois car insurance is that you need to change the company after every five months. The reason for this is that the rates of the insurance keep on changing. In six months, your company can increase their rates while the other companies can lower their rates. Also ,whenever you select a company, check its quotes. Auto insurance quotes in Illinois are like a map for your journey and they help you in finding the most affordable company. Next, whenever you fill the forms for insurance, be extremely careful. If you follow these simple steps, you are good to go.

Have you been worrying about your Illinois car insurance for women? Well, the good thing about being a lady driver is the fact that insurers will give you very lucrative deals in auto insurance in Illinois for women. This has been a long held truth that many insurers would not disclose. By far, any lady driver will get the best insurance policy and at the same time with the most suitable coverage. Yet, a real fact about Illinois car insurance is something that not every insurance company would deny as they could not resist the tendency of women towards going for a safer drive. Undeniably, it will be less of their risk and the lesser it is exposed to risk, the lesser it will cost them.

Most people would not mind about car insurances for women. They would just simply make it to the point that insurance is something that is out of their bounds. Most lady drivers would not care about getting their own Illinois car insurance deal as they could not appreciate the need for it. While most men would care about the safety and security of their vehicle, others would want to make sure that they would find it easier to cash in some of the insurance coverage in case they will encounter accidents and injuries. Truly, any type of unplanned and accidental expense would seem to be so hard for them to cope with. This is the reason that an added protection the form of car insurance for women is necessary for all those female drivers around.

Now, you can save even more money with some of the most widely covered car insurance for women. As the exposure for women danger would be less. Unlike their male counterpart driver, women would tend to be safe in their driving and most of the time; they cared much when it comes to using the road with others. Indeed, it is better to be protected from any further things might happen to you. And so, this is the reason that Illinois vehicle insurance is something you can feel save when you are on your way to your destination and at the same time make you mind sweet and burden free.

Facts That Will be Your Guide in Getting Auto Insurance In Illinois

Are you on your way of getting auto insurance in Illinois? What keeps you from purchasing a car insurance plan that suits you best? Do you think you need enough information and quote comparisons and guides to get you started in choosing the right plan for your vehicle and travel needs?

If you are new to the place, then you can probably ask for more help from friends, neighbors, colleagues or even acquaintances keep yourself equipped with the right move in getting auto insurance. You can also inquire at the Illinois Department of Insurance for all available car insurance options and services that will meet your needs best.

You have probably asked yourself in the past whether you really need to get car insurance in Illinois or not. Is this thing really mandatory or an optional thing to do? The answer is that getting auto insurance in Illinois is absolutely mandatory. If you are thinking of not getting a car insurance plan for your vehicle as you go on public roads and highways, then you are actually putting yourself and your car at risk.

Basically, you need to get an auto insurance to cover for your car needs in case of damages due to accidents, at the time it was stolen with enough proof of relevance and the existence of natural calamities. There are various options for various insurance policies in IL and coverage that keeps you and the insurer in mutual arrangement in terms of your car’s financial aspects and condition.

Insurance policies are generally categorized into its two main types – the comprehensive package covers policy and the third party liability cover. If you are going to select the comprehensive package cover policy, this type protects you and your car while you are on the road. This type of insurance policy covers both man-made and natural calamities. The benefits of this type of policy include cases such as theft or violent acts like strikes and riots, damages caused by natural disasters like earthquakes, storms, floods, explosions or fire and some other external damages from accidents.

On the other hand, the third party liability insurance coverage involves all legal liabilities when your vehicle encountered an accident. This type includes property damage to third parties, death and injury. This means that you get your personal accident benefits as an owner or a paid driver along with the other occupants of that particular vehicle. This even involves legal protection against injury or death for third party aspects.

Now that you have known the basic facts about getting car insurance for your travel’s safety and security measures, you must also know that every insurance policy and insurance companies have their own terms and conditions as well as limitations. Your key in getting the most of your insurance package is to read your available insurance options very and select the best plan that suits your needs and circumstances. You may also compare quotes from all the other existing Illinois insurance companies. Another thing that you should also consider in getting the best insurance deals at cheaper rates is the cost of your car.

DWI And DUI Laws In Illinois That Every Policy Holder Should Know

Driving while intoxicated (DWI) or Driving under influence (DUI) may lead to a matter of life and death. That’s why all the states of the USA have strict laws for them and it is very important for the people to know and understand the law and have knowledge of the available legal options if ever faced with such charges. DWI/DUI in Illinois may lead to severe punishments as stated by the Illinois car insurance law.

AutoInsuranceInIllinoisFollowing are the offenses that come under DWI/DUI in Illinois:

1.            Driving with a hangover of alcohol or drug or both.

2.            Driving with a Blood Alcohol Content (BAC) of 0.08 or more.

3.            Driving with a measurable blood content of marijuana or other restricted materials.

4.            Driving with BAC greater than 0.00, for drivers under the age of 21.

Punishments:

In Illinois, two separate cases are filed against you, one in the court and the other in Illinois DMV if you are caught for DUI. DMV can punish you by suspending your license but the court penalty may include fines, suspension of license, jail sentence or all three. For first DUI, the convict is kept under court supervision for a time period after which the case is dismissed but its public record is maintained. Full first conviction involves suspension of driver’s license for one year, fine up to $1000 and up to one year jail sentence. Second conviction may lead to driver’s license suspension for five years and third conviction for 10 years suspension of a driver’s license. The jail sentence and fines may increase if you were accompanied by an under 16 kids during the violation time. According to Illinois law, DUI case remains open for 20 years. So, your any further DUI during this period of 20 years will count.

DUI/DWI for Under 21:

Car insurance policy in Illinois has more strict punishments for driver’s under the age of 21 if arrested for DUI. First conviction leads to license suspension for 2 years, second in 5 years or till the age of 21 is attained, third to 10 years of license suspension along with three years jail sentence or a cash fine up to $25000. In case of a fourth DUI before the age of 21 may cause lifetime suspension of the license.

Consent of Intoxication Testing Law:

As per Illinois state law, no licensed driver of a motor vehicle can deny from taking approved chemical tests of blood, breath or urine for intoxication determination except Preliminary Breath Test (PBT) which is not mandatory unless the person is involved in a major accident. The license may be suspended for 6 months to 3 years for refusing the chemical test.

The law also states that the test must be done in the presence of a State Police and Department of Public Health (DPH) authorized person. A blood test must be done by DPH appointed medical professional. The driver arrested under DUI may ask for a second and independent chemical test under personal expenses.

Illinois DUI laws are made so firm and severe only to reduce the number of accidents occurring due to ‘Drink and Drive’ and enforce the sense of responsible driving into the motor vehicle drivers right from a young age.

Illinois Car insurance Laws to Adhere When Getting You Plan

Illinois has some very strict laws regarding car insurance and is applicable to all the vehicles with an Illinois license plate and their respective drivers. According to Illinois car insurance law, you must have insurance prior to your first drive. The insurance company issues an insurance card under your name after you pay for the policy. The law requires the driver to keep this card in the car all the time. Arresting of a driver without car insurance may lead to a huge fine along with the suspension of the vehicle’s registration plate or the driver’s license. Likewise, driving vehicle of another person without insurance may lead to penalty.

Illinois law states the following auto insurance coverage that must be included in the car insurance policy.

1.            Liability coverage: its pays for the physical damage of another person or property caused because of the irresponsible driving of the driver. It may also cover the accidents caused by any other family member or friend while driving the car with your permission. In case you require legal services regarding the accident, this coverage plan may pay for that as well. Liability coverage is usually divided into 2 parts:

a)            Bodily Injury (BI): It covers the medical bills due to the injury or death of pedestrian(s) or person(s) in another car. If your passenger is not a family member, passenger’s injury cost may also be covered under this. BI should be within the range of $20,000 per person per accident to $40,000 total per accident, according to Illinois law.

b)            Property Damage (PD): Damage of another person’s property like car, fences, building, etc. is paid off under this coverage plan.  As per Illinois law, lower limit for PD should be $15,000 per accident and never below that.

It is advisable for the drivers to take policy covering higher limits because in today’s world, medical bills or property damage expenses may easily overshoot State’s lower limits and according to the Illinois law, the driver can be sued in the court for the money not paid off by the driver’s insurance policy.

2.            Uninsured Motorist Coverage (UM): It pays the medical bills for your physical injury in case the accident was the fault of driver in another car with no auto liability coverage. As per present Illinois law UM amount should be within $20,000 per person per accident to $40,000 total per accident. There is no need of buying this coverage separately as it comes along with the liability insurance policy.

3.            Underinsured Motorist Bodily Injury Insurance (UIM): Illinois law states the requirement of this coverage only when you opt for a policy with higher limits of UM, otherwise this coverage is not mandatory.

There are strict rules of fines that may be issued to the person not following the Illinois car insurance laws. This fined amount may vary from $500 to $1000. Higher degree of violation of the State law may lead to the suspension of vehicle registration or owner’s driver license.