Uninsured motorist coverage in Illinois protects drivers involved in accidents with motorists who lack adequate insurance. This insurance component is crucial in the state, as it helps mitigate the financial risks associated with accidents. Individuals need to review their automobile insurance policies to include this coverage, especially since not all drivers carry sufficient insurance or …
Collision and comprehensive coverage in Illinois is crucial in protecting vehicle owners from financial loss. Collision coverage specifically addresses damages incurred during accidents or collisions, while comprehensive insurance safeguards against non-collision incidents like theft or natural disasters. This distinction is important for drivers navigating the risks of cities like Chicago. Without proper collision and comprehensive …
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Bodily injury coverage in Illinois is designed to protect drivers from financial liabilities resulting from bodily injuries caused to others in an accident. This type of coverage addresses medical expenses, lost wages, and other costs associated with physical injuries sustained by victims. In Illinois, the importance of adequate bodily injury protection cannot be overstated, as …
Have you heard someone say “I know when I drunk too much” or “I drive better when drunk” before? Well, hopefully, no one lets that person drive or they did not injure themselves or others because a buzzed driver driving is dangerous. A person may not notice the level of intoxication they reached before stepping …
The average cost of a DUI in Illinois is just under $3000. But the cost of a DUI does not account for other fees associated with a DUI such as car towing, lost wages, bail, and court fees to name a few. This post will go through some of the major impacts your finances will …
Cell phone use can feel addictive for some people to the point where they must check it often. In fact, cell-phone use addiction has been well documented over the past decade, and there is even a quiz to test your addiction level. A major issue that arises from cell phone use and addiction is distracted …
You take several risks when attempting to drink and drive. The obvious ones include loss of life, jail time, fines, and Sr-22 insurance. But what about the hidden costs and risks of driving under the influence of drugs or alcohol. Permanent records, job loss, and litigation fees may not be the first thing that comes …
There are many ways a person comes to need Sr-22 insurance, but only a few ways to file. Sr-22 insurance is not actual insurance. Instead, it’s proof you are carrying the mandatory minimum coverage. If you have D.U.I convictions, excessive traffic violations, or other qualifying violation, you will need to know about filing the Sr-22 …
In the unfortunate case that you are required to carry Sr-22 insurance, there are ways to help the process run smoothly. A typical Sr-22 requirement will last about 3 years, and in that time you must maintain insurance coverage and drive safely. Although three years is a long time, it’s important that you satisfy the …
Illinois is one step closer to becoming yet another state to make recreational marijuana use legal. The bill to legalize weed now only needs the signature of Governor Pritzker, but this legislation does not change DUI enforcement. Some people may not be aware, but driving high will get you a DUI. Dangers Just like alcohol, …
Driving under the influence is dangerous for a number of reasons. Not only can drunk driving lead to a serious accident; it may end with a conviction. In Illinois, one of the harshest states for DUI convictions, a single conviction can result in license suspension for one year. If it occurs again the penalties only increase, …
Rain presents problems for even the most skilled drivers. Not only does in obstruct vision, but it can make controlling your vehicle difficult. Undoublty, we have all experienced hydroplaning, when your vehicle is no longer catching the road due to water causing a loss of control. It can be a small recoverable slip and sometimes …
Even if drivers are not considered high-risk or do not own a car, it is important to have some form of insurance. A non-owner policy helps avoid higher insurance rates in the future. Insurance companies that see gaps in insurance coverage will charge higher premiums. People that benefit from non-owner policies are people who frequently borrow …
You do not need a valid driver’s license to file an SR22. High-risk drivers are able to file an SR22 without a valid driver’s license. SR22 providers understand that in some cases, proof of insurance is needed in order for a license to be valid. Your SR22 provider will start your high-risk car insurance policy. However, …
Young drivers are responsible for more accidents than any other age group. This makes teen drivers a bigger risk for insurance companies and it also makes their car insurance rates higher. Teens are considered high-risk drivers for: No driving experience Drivers with little to no experience will have a more difficult time recognizing and handling …
Ridesharing using companies like Uber is a popular way to make extra money. However, Uber requires background checks on every driver. If you were convicted of serious traffic violations, you may not qualify to drive for Uber. Can You Drive for Uber if You Have A Bad Driving Record? When people apply to become an Uber driver, the …
SR-22 insurance is required for an average of three years. While you are considered a “high-risk driver,” this does not mean you should have to overpay for car insurance coverage. Here are three easy ways to save on your SR-22 insurance: 1. Increase the deductible The deductible is the amount of money the policyholder is responsible …
SR-22 insurance in Illinois must be renewed at least 45 days in advance to avoid any suspensions. If the car insurance agency does not receive a renewal 15 days before the SR22 expires, they are required by law to inform the Secretary of State’s office. When you receive your renewal letter from your SR22 insurance …
Driving without insurance is a serious offense. If people drive without insurance, their driver’s license will be suspended and they will face several other fines and penalties. The penalties increase based on the number of offenses. Fines In Illinois, drivers must have an active car insurance policy and carry proof of insurance in their cars. …
If your blood-alcohol concentration (BAC) is 0.08 percent or higher, it is illegal to drive in the state of Illinois. Those that do will be charged with a DUI. With Illinois’s implied consent law, all drivers give consent to breathalyzers and blood and urine tests. However, police officers need a reason to believe that he or she …
