Illinois Auto Insurance Quotes and
Coverage Guide
Illinois Motor Vehicle Insurance
Questions & AnswersQ: Is
auto insurance mandatory?
A: Yes. Especially for those Illinoisans
still driving around after claiming to have seen
UFOs back in 2000 hovering directly above them.
Liability insurance is required for all motor
vehicles that must display license plates and are
being driven, including cars, vans, motorcycles,
recreational vehicles, trucks and buses. Trailers
are not required to have liability insurance – just
watch out for those UFO witnesses and be really
careful when you’re hauling something around them.
Q: How can I comply with this law?
A: You are in compliance if you have vehicle
liability insurance in the following minimum
amounts:
$20,000 - injury or death of one person in an
accident
$40,000 - injury or death of more than one person in
an accident
$15,000 - damage to the property of another person
Always carry your insurance card in your vehicle.
You must show this card upon request by any law
enforcement officer – or Alien Invader in the event
they bathe your car in a strange brilliant light,
and you suddenly find yourself aboard the UFO. Your
insurance company will send you an insurance card,
usually when your insurance policy is issued or
renewed – provided you have returned to Earth.
Q: Do I need to show evidence of insurance when
registering my vehicle?
A: No, but your signature on the application
affirms that your vehicle will be properly insured
throughout the registration period. You probably
shouldn’t mention your Close Encounter of the Third
Kind, though, while dealing with the DMV personnel.
Q: What is the questionnaire sampling process?
A: If the computer randomly picks your
vehicle, you will receive a verification form asking
for the name of your insurance company and policy
number. Your answer will be checked with the company
you named. If you do not have insurance, or if you
do not return the form with the requested
information, your license plates will be suspended,
and the Alien Invaders will be notified that you are
available for probing.
Q: Is Illinois a "tort" state?
A: Illinois is what is known as a “tort”
state. This means the other driver and/or the
passengers in the other driver’s car can sue you if
you were the one gazing up at the UFO instead of
watching the road. Lawsuits in tort states cover
expenses for medical costs as well as for pain and
suffering – those of the driver/passengers you hit,
not yours from the alien probe that happened just
before the crash.
Q: How could I receive a traffic citation for
driving without liability coverage?
A: If you are stopped for any traffic
violation or involved in an accident, the law
enforcement officer may ask to see your insurance
card. If you cannot provide evidence of insurance,
you may receive a traffic citation. In addition to
having your license plates suspended, you will face
the following fines if arrested and convicted:
-- minimum $500 fine for driving uninsured
-- minimum $1,000 fine for driving a vehicle while
the registration is suspended for no insurance
-- minimum 20-minute televised statement in front of
millions of viewers, including friends, relatives,
neighbors, and respected members of the community,
regarding your affiliation with certain Aliens of
questionable planetary origin
Q: How long will my license plates be suspended?
Do I have to pay a reinstatement fee?
A: The vehicle registration is suspended for
first-time offenders until the $100 reinstatement
fee and current evidence of insurance is submitted.
For repeat offenders, a four-month suspension must
be served in addition to providing the $100
reinstatement fee and current evidence of insurance.
But what you should really be worried about is that
20-minute television appearance.
Q: If my vehicle is suspended, can I drive other
vehicles? Can anyone else drive my vehicle?
A: Because your license plates are suspended,
no one may operate your vehicle; however, you may
operate other vehicles that are insured. As for
driving the UFO, you’ll have to take that up with
the Alien Invaders.
Q: Do I have to return my license plates if they
are suspended?
A: No, Illinois state law does not require
the return of license plates. But hang onto them --
maybe you can use them to barter with the next time
you’re in for a probe.
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