Reader’s Question:

What would be the penalties if a person driving without an insurance in the state of Illinois got involved in an accident and injured another driver?

Aries

Good question Aries.

It is required by the state of Illinois that an individual must carry a bodily injury liability limits of $20000 per injured person up to $40000 per accident and a Property damage liability of $15000. This coverage needs to be maintained on the vehicle at all times.

If you get caught driving without insurance, you will be required to pay fines and your vehicle registration will be suspended. Typically, if its a first offense of driving without insurance, you will have to pay the fine of $500 and your vehicle registration will be suspended for 60 days.All motorist are held responsible for the damages due to accidents according to the Illinois Safety and Financial Responsibility law. If you get involved in an accident without an insurance, you will need to file a proof of Financial Responsibility in the form of sr-22 for a period of 1-3 years.Your driving and registering privileges will be suspended if the judgment is unsatisfied or fines were unpaid for 30 days. Normally, the sr-22 must be filed for 3 years if the judgment is for $500 or more.

You may contact a lawyer or the Illinois Safety and Financial Responsibility to get more information on the laws and penalties for uninsured motorist who get involved in an accident.

Goodluck!

MariCAR