Illinois car insurance requirements are not unusual. The state has a Tort system, which means that a person has to be found at fault in the accident before expenses are covered. Once the person is determined to have been at fault they and their insurance company are liable for the costs.
Bodily injury minimum per person in a single accident is $20,000 with a limit of $40,000 for all persons involved in the accident. This covers medical expenses, as well as funeral expenses that may arise from the incident.
The other coverage that is required in the State of Illinois is uninsured/underinsured coverage. This is a policy that pays for your expenses in case the person you have an accident with does not have insurance or does not have enough insurance to pay for the damages. The amount required at the very least is, $20,000 per person with a maximum of $40,000.
Lastly, property damage must be covered. If you have had an accident than your car has hit or been hit by another car or collided with something else. You are required to have a minimum of $15,000 in coverage to pay for expenses to repair or replace the damaged property.
The penalties for not having Illinois car insurance coverage is not worth the risk. Illinois has a system that randomly sends out a questionnaire. You will have to supply your car insurance information, which will be verified. If you do not have insurance your registration will be suspended, and face a fine up to $1000. If you are in an accident without insurance you will have your registration suspended as well you will be fined a minimum of $500. Driving with a suspended registration is not a good idea as this has a fine of at least $1000 attached to it.
Keep yourself and others protected on your drive to enjoy barbecue and great music. Car insurance is not designed to get money from people but to protect what you have in case you are unfortunately involved in a car accident.
Blues and jazz are no strangers to the great city of Chicago. Barbecue is a staple food, the production of both within the same venue creates a work of art that many drive out of their way to experience.
Chicago is in the great state of Illinois. Beautifully green, this state which can be very hot and humid in the summer turns an extreme freezing cold in the winter season. This change in weather has a definite effect on driving on the roads. Part of the reason is that any time the asphalt is subjected to extremes in temperature it causes it to weaken, crack and subsequently develop potholes. Poor roadways are an open invitation to accidents as they can cause the driver to lose control of their car. Road work is conducted to keep up with this phenomenon, but there are always roads in need of repair.
What this means to the average Illinois driver is that they need to make sure that they have car insurance in case of an accident. Not just any insurance, but that they have at least the minimums required by the State of Illinois.