13 Sep, 2016
Domestic Aviation Accidents: Types Of Legal ClaimsAviation accidents may involve multiple legal claims, including negligence, violations of the Federal Torts Claim…
In Illinois, drivers who are convicted of operating a vehicle without the minimum insurance required by law will receive a suspended driver’s license for three months. In order to have the license reinstated after the suspension period, the driver must pay a $100 reinstatement fee. Subsequent convictions carry penalties such as:
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In order to comply with the mandatory insurance law in Illinois, drivers must carry two types of insurance.
A driver’s liability insurance is designed to cover the cost of damages incurred by other individuals who are involved in an accident when the covered driver is at least partially at fault. There are two types of liability insurance; Bodily Injury Liability and Property Damage Liability. In Illinois, drivers must carry liability insurance in the following minimum amounts:
Commonly referred to as UM, uninsured/ underinsured motorist coverage is designed to cover the cost of injuries for the driver and his/ her passengers in the event that an accident is caused by an uninsured driver or a driver who does not have adequate auto insurance coverage. In the state of Illinois, drivers must carry UM coverage in the following amounts:
In many cases, the minimum coverage required by law may not be enough, and drivers can be left to foot the bill for severe injuries or property damages. Various other types of car insurance coverage are available that are designed to offer Illinois drivers with added protection. Most auto insurance carriers in Illinois offer the following types of optional auto insurance coverage:
High risk drivers may have difficulty obtaining vehicle insurance. Those drivers can apply for a policy through the Illinois Automobile Insurance Plan; a plan that lets insurance carriers share the risk of coverage.
In order to help ensure that drivers are in compliance with the minimum insurance requirements, Illinois monitors vehicle insurance by verifying proof of insurance during traffic stops and by randomly sending computer generated questionnaires that require the recipient to submit the name of the insurance carrier and the policy number.