Cheap Illinois SR22 Auto Insurance

Springfield IL SR-22 Insurance

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Reader’s Question:

My friend borrowed my vehicle and wrecked it and he said she has Springfield SR-22 insurance. Will this SR-22 insurance cover the damages in my car?

Robbie

Springfield, IL

Typically the auto insurance follows the vehicle and not the driver, so the insurance that would kick in, regardless of the motorist and whether they have Springfield SR-22 insurance or not, would be yours, since it’s your vehicle.

But, if you exhaust your coverage–like if the damages are $15,000 and you don’t have that much coverage, then the Springfield SR-22 insurance coverage of your friend will kick in to cover the excess. Your rates may still increase.

June 10th, 2008

SR-22 Insurance Chicago IL

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Reader’s Question:

If I have to purchase a Chicago SR-22 policy, will my insurance rates go up in Illinois?

Tom

Chicago, IL

It is most likely that your auto insurance rates will increase after purchasing a Chicago SR-22 policy, and probably by quite a bit. Most individual’s do. But, it isn’t certain. There are a lot of factors that might affect your insurance rates.

If, for instance, you are in the preferred category of motorist when you first obtain your Chicago SR-22 policy, then many companies will permit you to keep your rates along with your good motorist discount. If you’ve been a long time policyholder, you might get the same treatment.

June 10th, 2008

SR22 insurance Naperville IL

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Reader’s Question:

I’m from Naperville, IL, but I’m moving to Texas. Do I still need my Naperville SR22 insurance?

Mel

Naperville, IL

Although you are moving to a new state, and you will be obtaining a license in that new state so it would seem that you would not have to comply with any license restrictions from your old state, Naperville SR22 insurance is different. You need to continue meeting the requirements of your Naperville SR22 even while you live in Texas until the period of SR22 filing is up.

June 10th, 2008

Non Owners Auto Insurance Rockford IL

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Reader’s Question:

I do not have a vehicle currently but I do have a driver’s license. Am I required in Illinois to buy insurance to drive my friend’s car on a some occasion? I live in Rockford, Illinois.

Joseph

Rockford, IL

The state of Illinois law (625 ILCS 5/7-601) states that it requires all car owners to have minimum amounts of car liability insurance. According to the IL Division of Insurance, lending institutions may require physical damage insurance to protect their interest in a financed car.

Generally, the car owner’s policy on a car that you may borrow on a some occasion should cover you as a motorist. For instance the Illinois DOI states that the typical bodily injury liability coverage pays for bodily injury to another individual or property damage you cause due to the negligent operation of a car. It may also pay if the accident was caused by a member of your household living with you or an individual using your car with your permission in Rockford, IL.

You may not be required to have your own insurance policy if you do not own a vehicle in Rockford, IL, nor have a vehicle in your household whose insurance policy you could be put on, then you can obtain a non-owners policy. Non-owners insurance typically is additional coverage to provide you liability protection for when you are at fault and do not own a car.

June 4th, 2008

Auto Insurance DUI Illinois

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Reader’s Question:

In the state of Illinois, how long will a DUI remain on your driving record? I live in Rockford, Illinois.

Jill

Rockford, IL

In Illinois, a DUI conviction does not come off of your driving record in the. A DUI stays on your driver’s abstract forever.

According to the Illinois Secretary of State (SOS) a traffic violations such as speeding, improper lane usage, disregarding a traffic control light, etc. stay on a driver’s record for 4 to 5 years from the date of conviction. If the ticket forms the basis for a revocation or suspension, the information will be carried on your driving record for a minimum of 7 years from the date of reinstatement.

In Illinois, drug/alcohol offenses stay on a driver’s record for a lifetime according to the SOS.

To verify how long your insurance provider can rate you for the DUI you can speak with your insurance agent to see how far they “look back” for period goes and check with the IL Division of Insurance to verify what state law says about this situation.

June 4th, 2008

Car Insurance Peoria IL

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Reader’s Question:

My sister is 19 and she still lives at home. She has not received her drivers license yet, but she does have her permit. For him to be able to drive, does my mother have to put her on her insurance policy in Peoria, Illinois?

Archie

Peoria, IL

Typically, insurance providers in Peoria, IL require that they are informed of the status of all household members. This means if a daughter or son has acquired a permit or license the parents should inform their insurance company and find out if the person will need to be added to the policy.

Some insurance providers in Illinois will want to add a motorist with a permit to the policy while other providers’ guidelines permit them to wait until the individual is fully licensed to add them to the policy. Your parents will need to talk with their insurance agent to check what their current insurance company requires of them concerning your sister.

The Illinois Division of Insurance, states that IL law requires you to have insurance before you operate a vehicle. For teens or minors living with their parents the IL DOI suggests being added to their parent’s insurance policy since this usually is the cheapest and easiest way to get insurance.

June 4th, 2008

Chicago Illinois Auto Insurance

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Reader’s Question:

Can I purchase auto insurance in Chicago, IL using my Canadian license?

Jim

Chicago, IL

You may be able to begin a policy with your Canadian license but most insurance companies would require you to get a US license first, in this case from Chicago Illinois, within a short period of time for the insurance policy to remain in active.

To get more information on how to obtain an Illinois State license, you may check with the IL DMV. It is noted there that motorist moving to Illinois may use their valid driver’s license from their home state or country for 90 days.

You may get an Illinois driver’s license or identification card only if you are becoming a legal resident of the state of Illinois. If you have a valid driver’s license from Canada, you may use it to drive in Illinois throughout your stay (if you do not plan to become a permanent resident of this state). Plus, the state of Illinois does not recognize the international driver’s license (IDP).

May 21st, 2008

Car Insurance Joliet Illinois

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Reader’s Question:

I have insurance on one of my automobile but not on the second one. I have a good driving record but I just got ticket for driving without insurance, what do I have to do?

Johnny

Joliet, IL

Illinois law requires all cars that is operated and registered in Illinois to be covered by liability car insurance. One way this law is enforced is by an individual being issued a traffic ticket and convicted in court for driving an uninsured car. Once The Secretary of State for IL is informed about your conviction the license plates for the vehicle will be suspended.

Penalties for first time offenders is a minimum $500 fine for driving an uninsured car. If you are operating a car while the registration is suspended for no insurance you will receive a minimum fine of $1000. Since you were found driving without ca insurance for your vehicle in Illinois, the first thing you should do is obtain car insurance for that car.

Add comment May 21st, 2008

Auto Insurance SR22 Illinois

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Reader’s Question:

I just moved from Illinois to Florida. I was required by the state to carry an SR22 insurance policy in Illinois. Is it true that I have to continue carrying SR22 even though I am already licensed in Florida?

Jim

Aurora, IL

SR-22 insurance is actually used differently in different states. Generally, an SR-22 insurance policy is a auto liability insurance policy required to reinstate your drivers license after it has been suspended or revoked. SR-22 insurance is uniquely suited for these situations, because the insurance companies are required to notify the department of motor vehicles if the policy is canceled, terminated, or lapses. If your car insurance policy has been cancelled your license will typically be suspended until the car insurance policy is brought current or reinstated. You need to carry an SR-22 insurance policy for a certain period (usually three years) after the end of your suspension or revocation. This applies under the laws of most states,

If you applied for a license in Florida, you will most likely need to continue with an SR22 insurance policy. You may check with DMV in Florida and Illinois to verify if you are still required.

May 18th, 2008

SR22 Illinois

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Reader’s Question:

I received a no insurance ticket in the state of Illinois and I paid a fine for it already. Am I still supposed to get SR-22 insurance for this?

Paul

Chicago, IL

According to the Illinois Motorist Services that if you are cited for not having the state mandated insurance on your motor vehicle then the license plates of first time offenders will be suspended until a $100 reinstatement fee and current evidence of insurance are provided.

Repeat offenders on the other hand are required to serve a four-month suspension period, pay the $100 reinstatement fee and provide current evidence of insurance before being eligible for reinstatement.

Anyone who is convicted of a third or subsequent violation of driving without liability insurance or who receives court supervision for a mandatory insurance violation or is required to file proof of financial responsibility (SR22 certificate) for one year, or face a driver’s license suspension.

You may check with the Illinois Service for Motorist at the Secretary of State to verify this information.

Add comment May 3rd, 2008