Three Consequences of Driving Without Illinois Auto Insurance

websitebuilder • September 27, 2018

Car Insurance Plans — Car Wrecked in Hillside, IL

In most U.S. states, driving in a car without auto insurance is illegal. (New Hampshire is the only state that does not explicitly require car insurance, but it does require residents to prove they can pay for damages if they cause an accident.) Penalties for having an uninsured vehicle on the road are serious and typically quite expensive. While the severity of these penalties can vary, we’ve cited three major consequences you can expect if you are caught driving without auto insurance.

#1: You could get towed.

You will inevitably run the risk of getting towed when driving without insurance. No accident required! You could be pulled over for a very minor infraction and end up with an impounded vehicle. Moreover, you will not be able to free your vehicle from the impound lot until you present legitimate proof of insurance. Additionally, police can decide when and if they want to put your car up for auction if you don’t get insurance soon after the original transgression.

#2: You could get fined.

In Illinois, those caught operating a vehicle without auto insurance are subject to a minimum $500fineand a minimum $1,000 fine if you are found driving with suspended license plates from a previous violation. The severity of these fines could depend on your status as a law-abiding citizen – are you a first time offender or habitual law breaker? Either way, save yourself some heartache and make sure you are insured! Illinois Insurance Center offers a variety of auto insurance options (including SR-22) to fit your specific needs.

#3: You could get your license suspended.

In addition to those hefty fines, you will also be handed a three-month driver’s license suspension. When your license is suspended, you need to pay ~$100 to have it reinstated. If you are a repeat offender, you may even get your license completely revoked. In Illinois, the state government additionally sends questionnaires to registered drivers asking them to identify their insurance company and policy number. Those who do not return the questionnaire can also expect suspended license plates.

Regardless of the many pricey and consuming legal penalties, driving without auto insurance is quite dangerous. You are personally responsible for all vehicle damage and medical for you and the other party.

It is just not worth it.

Nationally, 12 percent of drivers are uninsured. You don’t want to be one of them.

When it comes to auto insurance, it is a good idea to err on the side of caution. Your financial livelihood could be seriously impacted if you choose to forego insuring your vehicle. Leave it up to chance as little as possible with Illinois Insurance Center! Contact us today for a free auto insurance policy quote. We will help you find the best plan to give you peace of mind and reassuring coverage.

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