Non Owners Auto Insurance Springfield, Illinois IL
Reader’s Question:
If you do not own a vehicle right now but I do have a driver’s license in Springfield, Illinois. In Illinois am I required to get car insurance to use someone else’s automobile occasionally?
Becky
Springfield, IL
The car insurance policy on an automobile that you may borrow occasionally should cover you.
Auto insurance policy terms may differ, so the individual who owns the vehicle that you operate occasionally, and therefore has the car insurance policy on it, should read over their automobile insurance policy and talk to their car insurance agent to be sure you are properly covered to drive their car from time to time.
If it is a family member’s vehicle (the same household you live in) that you are driving on rare occasion then normally you will be required to be listed to their car insurance policy and be rated as a driver.
If you do not have an automobile you may not be required to get your own automobile insurance policy in Springfield, Illinois so then you can buy a non-owners policy. This non-owners car insurance policy is an additional coverage to provide you insurance liability protection if you are at fault and do not own an automobile.
Tags: auto insurance, non owners insurance
Auto Bail Bond Insurance Illinois IL
Reader’s Question:
What does auto bail bond card mean in Illinois?
Sanders
Chicago, IL
In Illinois, this bond card will keep a driver’s license from being confiscated by police officer. In the state of Illinois, if you are ticketed for a minor moving violation, the the law enforcement officer will take your driver’s license as bond to guarantee your payment of your fine or appearance in court. The Traffic Bail Bond Card may be accepted in place of your driver’s license, permitting you to retain possession of your drivers license.
An Illinois county court provides information on how having a bail card can assist you. Here it states if no court appearance is required a judgment may be entered against you for the fine, costs and penalties as provided in the “Notice of Consent for Entry of Judgment. Your issuing bond card company will be billed for the full amount of the judgment and your bail card will be forwarded to them upon payment.
Tags: auto insurance
Beginners Car Insurance Wheaton Illinois IL
Reader’s Question:
Can a 17 year old boy have a vehicle titled to his name and get auto insurance in his name only in Wheaton, Illinois?
Daniel
Wheaton, IL
In the state of Illinois there is no law prohibiting a teen from holding the title to a car. But, the Illinois Secretary of State (SOS) advises caution to those that may sell a car to someone younger than eighteen, because only a buyer eighteen years old and older can be legally bound to a sales contract.
So as a teenager it is likely that when purchasing a vehicle you will be required to have a parent or guardian sign on any legal document with you, such as the insurance policy and the sales contract that you will need to put on the car you title under your name at age of seventeen in Wheaton, Illinois.
So while the state of Illinois may not have a minimum age for titling a vehicle under their name, an insurance provider will normally require an parent or guardian or adult, sign on your insurance policy with you since you are a minor and your car insurance policy is a legal document.
Tags: auto insurance, Beginner car insurance, teen insurance, Young driver car insurance
Young Driver Car Insurance Oak Park, Illinois IL
Reader’s Question:
Will a seat belt violation in Oak Park, Illinois cause insurance premium rates to go up for a teenager?
Wilma
Oak Park, IL
A citation for a seat belt offense that goes on your Motor Vehicle Record, which a conviction for this violation does show up on an IL driver’s record, is considered teen by most insurance providers but could still increase the insurance rates of a teen depending upon an insurance carrier’s rating system. With some insurers, a small violation may take off discounts and with other insurers it may impose a surcharge. The young driver or his/her parents would need to verify with their insurance carrier to find out specifics about how the carrier’s rating system works.
To get more information on a safety belt ticket violation in Illinois, it is likely that the young driver was cited for a violation of the Illinois Seat Belt Act, which is non-point violation.
Tags: auto insurance, automobile, teen insurance, Young driver car insurance
Auto Insurance Question Cicero, Illinois IL
Reader’s Question:
I received a traffic ticket in Milwaukee, Wisconsin but I have an IL license. I have not received a speeding ticket in many years. The attorney said the state of Wisconsin will probably assess a three point violation to my drivers license? How will this affect my Illinois license and car insurance in Cicero.
Robert
Cicero, IL
The state of Wisconsin is not a member of the Drivers License Compact (DLC) while your the state of Illinois is a member of DLC. This Compact permits member states to share information regarding tickets received out of state back to the state in which the driver was licensed.
According to the Administrative Code out of state traffic violations will be added to your IL driving history and assigned points. IL does not have a point system for traffic violations.
As for your auto insurance, once the Wisconsin speeding violation is put on your Illinois driving history it will depend upon your insurance carrier’s rating system if the speeding will affect your car insurance rates in Cicero or not. You should be able to contact your insurance broker to provide you information on your insurer’s rating system or the IL Division of Insurance where insurance companies must file their rates with.
Tags: auto insurance, traffic violation
License Suspension Bolingbrook Illinois IL
Reader’s Question:
My Illinois drivers license was revoked after my 2nd DUI offense in Bolingbrook, IL and I was denied for reinstatement at my last hearing. I would like to know what states should I move to that won’t deny me a driver’s license because of my DUI in Illinois?
Pat
Bolingbrook, IL
If you are going to move out of Illinois, your 2 DUIs are likely to follow you. Most states are part of the Driver’s License Compact (DLC) that means member states share driver license information.
Your former DUIs in Bolingbrook, IL and current revocation of your license in Illinois should therefore be seen by whatever state you choose to move to. There might be some states that are willing to give you a restricted license or permit you to operate a vehicle with a permit if you have an interlock ignition system. To check of what states might permit this you should contact the Department of Motor Vehicles of the state(s) in which you are interesting in moving to.
Tags: auto insurance, automobile
Car Insurance Aurora Illinois IL
Reader’s Question:
I’m running short on funds so I’m thinking of paying the auto insurance bill a little late until my husband’s next pay day. We’re from Aurora, IL. What would be the consequences of paying late? Can I ask for a grace period from my auto insurance company?
Linda
Aurora, IL
Unlike your other bills, there is no grace period allowed for paying auto insurance premiums. By just being a day late with your premium payment, your insurance company may decide to cancel your policy. It may not seem fair, but as how you would normally hear, that’s how it goes. And when you’re ready to pay the bill, the company won’t necessarily reinstate your policy once it is canceled. You may find yourself paying more money for a comparable policy, or worse, you may have trouble finding new insurance.
Each state has rules regarding when an insurance company may drop your policy. So, I would suggest contacting your Aurora, IL insurance agent to know exactly the terms of your policy when it comes to late payments. If you fail to make the payment on time, an insurance company will almost always be able to cancel your policy in the middle of its term, on non renew your policy once it up. Paying on-time means that your premium must be received by the due date so dropping the payment in the mail by the due date may still mean that your payment will not be received on the due date.
If you’re a few days late, most auto insurers value your business and won’t drop you. But being habitually late is a different thing. Some companies may seize that opportunity to kick you off their rolls or if they decide that you’re a risk they no longer wish to insure. Your insurer may require that you pay the remaining balance due for the full term if you’ve already passed the cancellation date before they reinstate your insurance.
Tags: auto insurance, automobile, Car Insurance Company
Illinois DMV Auto Insurance
Reader’s Question:
I would like to know if the Department of Motor Vehicle here in Illinois verify insurance coverage for a simple traffic speeding ticket, if you have a valid insurance card that you provided to the officer?
Jim
Chicago, IL
State’s Department of Motor Vehicles (DMV) differ in how they verify insurance after a moving violation. It is essential to be properly insured though so that you are not caught driving without auto insurance. If you showed a law enforcement officer an apparently valid insurance card the DMV in Illinois could still ultimately find out that you are uninsured.
In most states an insurance carrier has to notify the DMV if a individual’s insurance policy is lapsed, canceled, or is not valid. When this happens many states require you to turn in your license plates and if the insurance has not started up again or renewed your driver’s license will be suspended or revoked.
Chicago IL Car Insurance
Reader’s Question:
I am trying to get car insurance, I guess my question is, is it possible to get car insurance if I only have a learner’s permit in Illinois?
Bill
Chicago, IL
Yes, it is possible to obtain a auto insurance policy with a learner’s permit with certain insurers in Chicago Illinois.
You will either need an drivers license or be able to get one within 30-45 days typically. Depending on how old you are, the insurance providers will probably make you obtain a regular driver’s license within 30 days of your policy’s inception date. In addition to that, if you only have a learner’s permit, the insurance provider may require you take out the policy with a motorist on it who has a regular operator’s license.
If your parents already have an insurance policy, you may check if you can be added to their insurance policy for coverage.
Non Owners Auto Insurance Illinois
Reader’s Question:
My son no longer is a household member. He has moved out in Arizona and has changed his address. She does not own a vehicle. I no longer want to continue having him listed as a primary motorist on my car in Illinois but want him to be covered if he occasionally uses the car. My insurance agent informed me I had to have him as “primary” on one of my cars since I have more than one car. Is this true? Why cant he be listed as just an occasional driver?
Marlen
Chicago, IL
Ultimately, it’s up to your insurance provider in Illinois as to whether your son has to be listed on your policy as a driver or not. With that being said, some insurance providers will permit you to remove your son from your insurance policy with proof he does not live in your household or proof he has his own insurance policy. That being said, most carriers permit coverage for “occasional” drivers provided that the “occasional” motorist does not live your household, and your cars are parked at your residence at the end of the day. You may want your son to look into a “non-owner” policy that will help cover him for cars not provided to him on a regular or frequent basis.
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