High Risk Car Insurance in Chicago Illinois
Reader’s Question:
My 20 year old daughter just received a DUI in Chicago Illinois. She is making payments on a vehicle I co-signed and the title is under my name and her name. The insurance is also under my insurance policy with her as a driver. What will happen to our car insurance rates?
Ally
Chicago, IL
Since your daughter now has a DUI violation on her driving record, when your insurance carrier finds this out then her car insurance rates, and therefore yours as well since she is on your insurance policy. Insurance providers rating systems vary so you would have to check from your insurance agent to verify how much your daughter’s DUI may affect all of your car insurance rates and for how long.
The Illinois Secretary of State states that a DUI can subject you to high-risk car insurance rates for three years. The IL SOS DUI Fact Book notes that high risk insurance for an individual convicted of a DUI averages an additional (over their normal auto insurance costs) $1500 per year.
If the your car insurance rates go up because of your daughter’s DUI, then you may want to comparison shop for car insurance to check if you can find a better car insurance rate.
Car Insurance Policy in Chicago Illinois
Reader’s Question:
My friend was driving her boyfriend’s vehicle (with his permission) and got a speeding ticket. She has her own auto insurance coverage in Chicago IL for her vehicle and gave that to the police officer but does not have specific insurance to cover her on her boyfriend’s vehicle. He said that police officer didn’t say anything about it, but she hasn’t been to court yet. Will the fact that she was driving someone else’s vehicle matter?
Karen
Chicago IL
State laws vary; some states require the car to be insured while others want every motorist to be insured specifically. As long as the vehicle that your friend was driving had insurance on it by the boyfriend (thus he was not operating an uninsured car) it likely will not matter that your friend presented her own car insurance card instead of the insurance card for the vehicle.
If your friend received only a speeding ticket then she should be able to take care of it in court and pay the fine. Being in a borrowed vehicle from a friend, with their permission, at the time of the violation normally would not matter to the court. Usually the speeding ticket would only affect her driving record and her car insurance rates if the violation was written in her name and not against the vehicle.
Car Insurance Rates in Chicago Illinois
Reader’s Question:
My wife recently got charged of DWI. Can I get my own car insurance, so her DWI will not affect my insurance rate in Chicago IL?
Ben
Chicago, IL
An insurance carrier will typically want all household members listed on an auto insurance policy. If you do not want your wife’s DWI violation to affect your car insurance rate you will need to find an insurance company that will exclude her, otherwise you will both need to be on the same insurance policy under most insurance carrier’s guidelines.
To check if your insurance carrier in Chicago IL can provide you with the insurance coverage that you need, you may contact them directly.
Expired Car Insurance Policy Chicago IL
Reader’s Question:
I went to my insurance company to verify claims and coverage after I had an accident a week ago. I found out though that my insurance claims had expired by about 2 weeks. Does Illinois state law for car insurance acknowledge grace period of at least 30 days?
Mark
Chicago IL
The Illinois Division of Insurance doesn’t require insurance 
companies registered in the state to give grace period to the insured. Grace period here is defined by the state as the time period at which the insured may pay the premium after the due date without penalty, granted independently by the auto insurance company. The Illinois division notes that if the insurance company have a renewal policy and/or your policy premium has been due for 60 days, your insurance company may cancel it at any point, if you fail to pay within the due date.
You may have to check with your insurer of their policy in regards to grace period if they do have one and that if its possible to be reinstated once you’ve made payments on your premium. Also check if they have a corresponding penalty for late payments and what is required to be reinstated. Only then you will have a chance to file claims for the accident you’ve had.
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