If you live in Illinois and own a car, you’re required to have some auto insurance. Illinois views it as a safety measure to protect consumers in case of an accident. If you are in an automobile accident you may need a car accident lawyer Decatur Illinois to help you handle the insurance company.
The attorneys at Kelly & Castagna have an in-depth understanding about how insurance companies operate. That means that our team will be able to negotiate with them or litigate against them to make sure you get the compensation for an accident that you deserve. Contact us today for a consultation at 309-820-0600.
Insurance Requirements in Illinois
Illinois law requires all motor vehicles registered and operated in Illinois to be covered by liability insurance, which covers property damage and/or injuries you may cause others in an accident. The minimum amount of auto insurance you must carry in Illinois is $25,000 per person, $50,000 per accident and $20,000 for property damage. If you want to pay more than these amounts, it’s up to you.
You should also have uninsured motorist bodily injury protection (UMBI). This coverage pays for medical expenses if someone injures themselves while driving your car and has no insurance or insufficient coverage to pay those bills. UMBI is required when purchasing comprehensive or collision coverage through an auto insurance policy in Illinois.
Avoid additional problems by being insured
You can be fined for not having auto insurance. You may also be sued if you cause an accident and don’t have coverage. If you try to buy an Illinois driver’s license after being convicted of driving without coverage, the DMV will deny your application because they don’t want someone on their roads who doesn’t take responsibility for their own safety and others’.
In Illinois, you can save money on your car insurance if you have a clean driving record. A good credit score can also help reduce the cost of your premiums.
Proof of insurance
Auto insurance is necessary in Illinois and you will be required, at different junctures, to prove you have coverage. If you are in an accident with an uninsured motorist (or are uninsured yourself) you will need a car accident lawyer Decatur Illinois and Kelly & Castagna is here to help.
You need to provide proof of insurance in order to register your vehicle. It is required for vehicle inspections. You must also have proof of insurance for a driver’s license. When you obtain your vehicle title, proof of insurance is required.
When you are stopped for a traffic violation or involved in an accident, a law enforcement officer will ask you for proof of insurance. You may receive a citation if you don’t have that. In addition, there can be fines for driving uninsured.
Starting in 2020, Illinois also enacted an Electronic Liability Insurance Verification program for vehicles registered in Illinois. Each vehicle’s liability policy is going to be verified at least twice each year through a 3rd party vendor.
Call our car accident lawyer Decatur Illinois today
The best way to stay safe on the road is to have insurance. If you’re ever involved in an accident, it will protect you from financial loss and ensure that your family is taken care of if something happens to you.
In Illinois, drivers are required by law to carry at least minimum liability coverage in order to drive legally on public roads. If you find yourself in a situation where you need an attorney to deal with your insurance company, contact Kelly & Castagna today. Our car accident lawyer Decatur Illinois will help you get the compensation you deserve.