The Consequences of Driving Without Insurance in Illinois

 Posted on September 18, 2017 in Traffic Offenses

In Illinois, drivers are required by the Illinois State Legislature Vehicle Code to carry at least a minimum amount of auto insurance. Currently, in order to meet our state’s auto insurance requirements, Illinois drivers must carry at least the following amounts of liability insurance:

• $25,000 for bodily injury per person,
• $50,000 for bodily injury coverage per accident,
• $20,000 for property damage,
• $25,000 for uninsured motorist bodily injury coverage per person, and
• $50,000 for uninsured motorist bodily injury coverage per accident.

Some people mistakenly believe that driving without adequate auto insurance in Illinois is not a big deal; however, in reality, drivers who are caught failing to meet our state’s insurance requirements suffer a number of different consequences, the most severe of which are outlined below.

Fines for Driving Without Adequate Insurance

Under code section 625 ILCS 5/3-707 of the Illinois Compiled Statutes, fines for a first offense of driving without adequate auto insurance in Illinois range from $500 to $1,000 while repeat offenders are required to pay a $1,000 fine for an ordinary violation and a $2,500 fine if they were caught after causing an accident in which someone else was injured.

Additionally, Illinois residents who are convicted of driving without adequate insurance also have to pay an additional $100 reinstatement fee to get their driving privileges back if their driver’s license is suspended because they drove without adequate insurance.

Other Consequences

Illinois residents who are caught driving without adequate insurance can also have their driver’s licenses suspended. Generally speaking, a first time offender will have his or herdriver’s license suspended for three months, at the end of which thelicense will be reinstated if the offender is able to show proof of insurance and pay the reinstatement fee.

However, each license suspension comes with certain provisions that must be abided by or else the suspension will be extended for an additional six months. Furthermore, it should be noted that driving on a suspended licenses in Illinois is a Class A misdemeanor that is punishable by up to one year in prison and a fine of up to $2,500.

Additionally, a driver who has been caught driving without adequate auto insurance may find that when he or she isable to obtain insurance, he or shewill be required to pay higher insurance rates than drivers who do not have such a blemish on their record.

Consult With a Local Attorney

If you have been caught driving without adequate insurance in Illinois, then you are likely facing fines, having your driver’s license suspended, and perhaps other additional penalties. However, the Law Offices of Christopher M. Cosley may be able to help.

Attorney Chris Cosley is an experienced Rolling Meadows criminal defense attorney who tirelessly fights for his clients’ rights and driving privileges and helps them avoid criminal convictions whenever possible. Contact the office today.

Source:

http://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=062500050K3-707