One of the ways consumers are protected is by taking out insurance policies. In Illinois, to comply with the law, you have to buy minimum amounts of liability coverage when driving a car. This protection safeguards you if you are involved in a vehicle crash with another party and it is your fault.
Minimum Liability Amounts in Illinois
The minimums for liability auto insurance in Fox Lake, IL are as follows:
- $25,000 to cover the injury or death of a person in an accident
- $50,000 to cover the injury or death of more than one individual in a mishap
- $20,000 to cover the property damage of another person
How the State Enforces Car Insurance Mandates
Enforcement of this mandatory auto insurance protection is facilitated by the use of a random questionnaire. This questionnaire originates from the Secretary of State’s office. If the computer selects your vehicle, you will be asked for your insurance company’s name and the policy number. The answers are confirmed through the name of the insurer. If your car is not insured or you do not respond to the questionnaire, your license plates will be suspended.
Make Sure You Have Proof of Insurance
Your license plates can also get suspended in Illinois if you are stopped by a police authority and are driving without auto insurance coverage. Besides having your plates suspended, you may also need to pay a minimum $500 fine for driving without insurance.
Contact an Insurance Agent Today
Before you get in a vehicle and drive, you need to contact an insurance provider about purchasing insurance. If you have been driving uninsured, you also need to inquire what you can do to remedy the situation. Browse our website to review the insurance options and coverages today. Make sure you are meeting your insurance obligations in the Prairie State.
