The penalty for driving without insurance in Illinois increased in 2010

by Sami Azhari on May 22, 2010

Driving Without Proof of Insurance

Insurance laws in Illinois are tough. Every driver on the road must have a liability insurance with coverage of at least $20,000.00 per person for bodily injury as a result of an accident. Failure to carry insurance has serious consequences.

Driving without insurance is a petty offense in Illinois. The statute citation is 625 ILCS 5/3-707. Because it is classified as a petty offense, it has a punishment of fine only. The defendant cannot be sentenced to jail. The maximum fine for a petty offense is $1,000.00.The statute says the minimum fine is $500.00.

That being said, a ticket for driving without insurance can result in jail at a later time. The reason is, driving without insurance will cause the Secretary of State to suspend that person’s driver’s license. Driving while license suspended is a Class A misdemeanor. The penalty can be up to one year of imprisonment and a fine of $2,500.00.

Hence, one ticket for driving without insurance can lead many other problems.

If a person is found guilty of driving without insurance, the law requires him to show proof of insurance to the Secretary of State with a special certificate called SR-22.Failure to show proof of insurance will result in a financial responsibility suspension.

SR-22 insurance is available for purchase by most insurance companies. The insurance company will provide the SR-22 certificate monthly to the Secretary of State. The requirement for SR-22 insurance will last for at least one year. If the insurance company fails to show SR-22 compliance, the driver will pay the price. His or her driver’s license will be suspended.

State lawmakers increased the penalty for driving without insurance in 2010.

Now, if a person is driving without insurance and causes an accident resulting in bodily harm, that is a Class A misdemeanor (up to one year imprisonment and a fine of $2,500.00). As of the date of this article, the author has not seen anyone charged with a misdemeanor for failure to carry insurance, but there is a first for everything.

Previous post:

Next post: