Illinois law requires every driver to carry auto insurance. Driving without it can lead to serious consequences. The state enforces these laws in an effort to protect drivers, passengers and pedestrians.
Knowing what happens when you drive without insurance can help you avoid troubles with the law. It can also help you prepare to defend yourself if you are facing traffic violations.
Minimum insurance requirements in Illinois
Illinois drivers must carry liability insurance. The minimum coverage includes $25,000 for injury or death to one person, $50,000 for injury or death to more than one person and $20,000 for property damage. Drivers must keep proof of insurance in the vehicle at all times.
Penalties for driving without insurance
If a driver gets pulled over or involved in an accident and cannot show proof of insurance, the officer may issue a ticket. The first offense can result in a fine between $501 and $1,000. In addition, the state will suspend the driver’s license plates until the driver pays a $100 reinstatement fee and shows proof of insurance.
For repeat offenses, the penalties become more severe. A second violation may lead to a fine up to $1,000 and a license plate suspension of four months. A third or subsequent offense may involve a larger fine and an even longer suspension.
Other consequences
Driving without insurance in Illinois may also lead to mandatory court appearances. The court may impose community service or other penalties. In some cases, the state may require the driver to file an SR-22 form, which proves financial responsibility. This requirement usually lasts for three years and often results in higher insurance premiums.
If a driver causes an accident while uninsured, the financial risk increases significantly. The driver may become personally responsible for paying all damages, medical bills and repair costs. This can lead to wage garnishment, lawsuits and long-term financial hardship.
Maintaining the required insurance coverage is the best way to avoid traffic violations and criminal charges. Driving without insurance in Illinois is not worth the risk. Fines, license suspensions and long-term financial consequences make it important to stay insured at all times.