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Can I Face Criminal Charges for Driving Without Insurance Coverage in Illinois?

When you are pulled over, the officer conducting the traffic stop will ask you to produce your license, registration, and proof of insurance. If you are driving without insurance coverage, you may assume the officer will give you a stern talking to about obtaining coverage before sending you on your way. However, this is far from the truth. In reality, you can face a litany of penalties for this. If this reflects your circumstances, you’ll want to keep reading, as the following blog explores what you should know and why you should connect with a Peoria driving without insurance lawyer.

Why Do Drivers Have to Carry Insurance?

Carrying auto insurance is a requirement for all drivers in 48 out of 50 states, Illinois included. This is because if you cause a collision, the victim is entitled to compensation. Generally, drivers do not have the funds necessary to cover the cost of medical care and other damages, so their insurance policy will help cover the expenses. If you do not have insurance, this leaves the victim without compensation.

As such, drivers in Illinois are required to carry minimum coverage. This coverage is set at $25,000 per person and $50,000 per incident of bodily harm, and $20,000 for property damage. Additionally, drivers must carry uninsured motorist coverage of $25,000 per person and $50,000 per incident of bodily harm.

Is Driving Without Insurance Coverage Illegal?

If caught driving without insurance, you can face several penalties, as this is illegal. You will face a minimum fine of $500 but the potential for up to $1,000. In addition to the fine, you will lose your license for up to three months and will be required to pay $100 to have your driving privileges reinstated. It’s important to understand that with each subsequent offense, the fines and suspension period will increase.

On top of the fines and suspension, you must file an SR-22. This is a document that proves you have the minimum insurance required under state law. Having to file one of these through your carrier will likely cause your insurance premiums to skyrocket, as you will be considered a risky driver.

What Should I Do if I’m Facing These Penalties?

If you are facing consequences for failing to have adequate insurance coverage in Illinois, you are likely overwhelmed at the thought of these penalties, as they can significantly impact your life. As such, it’s in your best interest to connect with an experienced criminal defense lawyer as soon as possible.

Whether your lack of insurance was caused by a technical error or a lapse in your policy, our team will do everything possible to fight for you during these challenging times. Connect with us to learn how our dedicated legal team can help you fight for the best outcome possible during these challenging issues.

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