Minimum Required Auto Insurance Coverage in Illinois
Reader question:
What is the minimum required auto insurance coverage in Illinois?
Amy
Great question, Amy.
Illinois auto insurance law is somewhere in the middle when it comes to the harshness of enforcement. While the fines are high when you get caught without insurance for your car, you don’t have such a large chance of being caught. The reason for this is that IL insurance does not have an automatic insurance verification system that involves communication between the department of motor vehicles and insurance companies and allows the red flagging of any vehicle identification number that is without insurance. At the same time, Illinois auto insurance law is not completely lax, because there are more ways to get caught than simply being pulled over by a random police officer.
That way is through the insurance verification system, which affects only five percent of drivers in Illinois every year. Of course, it is a random selection of drivers, and if you receive the notice that you have been selected to verify, then you have to send in proof of verification or you could be fined and have your registration suspended.
There are three basic types of coverage that you are required to have under IL insurance law, and those are:
- $20,000 bodily injury liability for one person
- $40,000 bodily injury liability for multiple people
- $15,000 property damage liability
If you get caught without insurance, then you will have to go to court to prove that you have it. If you can show an IL insurance card or some other proof of insurance, then you are off the hook. If not, then not only will you have to fork over five hundred dollars in fines, but it will cost you another hundred to get your registration back.
Cheers,
Fashun Guadarrama.
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