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Knowing the Importance of DWI And DUI Laws In Illinois in Your Car Insurance

Driving while intoxicated or Driving under influence may lead to an accident or worse, death. This is one of the reasons why all the states of USA have strict laws for them and it is vital for the people to know and understand the law and have knowledge of the available legal options if ever faced with such charges. DWI and DUI in Illinois may lead to severe punishments as stated by the Illinois car insurance law.

AutoInsuranceInIllinoisThe following are the offences commited under DWI/DUI in Illinois:

  • Driving with a hangover of alcohol or drug or both.
  • Driving with a Blood Alcohol Content (BAC) of 0.08 or more.
  • Driving with a measurable blood content of marijuana or other restricted materials.
  • Driving with BAC greater than 0.00, for drivers below the age of 21.

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 fine, suspension of license, jail sentence or all of the above. 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 to 10 years suspension of driver’s license. The jail sentence and fines may increase, if you were accompanied by an under 16 kid during the violation time. According to Illinois law, DUI case remains open for 20 years. So, your any further DUI in Illinois during this period of 20 years will count.

Illinois has more strict punishments for driver’s under the age of 21 if arrested for Illinois DUI. First conviction leads to license suspension for 2 years, second to 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.

As Illinois DUI law states, no licensed driver of 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. 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. 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 expense.

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.