Reader’s Question:

My son has his driver’s license but he is not driving, we live in Peoria, Illinois and I need to know if it is a state law to have insurance policy on him even though he is not driving?

Thomas

Peoria, IL

I understand your concern for your son that doesn’t have insurance although he isn’t driving any vehicle. Just so you know, Illinois law requires you to have insurance before you drive. After you pay for your insurance policy, your company will send you an insurance card that you must keep in your vehicle at all times. If you get caught driving without insurance in Peoria, IL and unable to show your insurance card, you will be facing a fine and suspension of your license plates.

The information that the Illinois Department of Insurance gives to teen follows: The easiest, and probably cheapest and affordable way to get insurance is to be added on your parents’ insurance policy. They may either add you to their vehicle, or if you have your own vehicle (and your parent’s name is on the title of your car), they can add your vehicle to their insurance policy. Your parents’ rates will increase, in either case, so options and costs may need to be discussed first. Now to find out if there is a specific state law that requires you to have coverage on your son, you can check with the IL Department of Insurance. Even if there is not a state law, typically, car insurance companies have their own guidelines and rules that requires all licensed household members to be listed on the insurance policy.