Car Insurance Company Naperville, Illinois IL
Reader’s Question:
What should I be looking for in a good reliable auto insurance company in Naperville, Illinois?
Harry
Naperville, IL
You should buy auto insurance from a company that you can trust, a company that has a good rating and a a carrier that is reputable. To find out if a car insurance carrier is reliable and reputable may take some research. In addition look to neighbors and friends for referrals on what insurers they have found to be good and fair.
When looking for a car insurance companies in Naperville, Illinois you can begin by contacting your state’s Department of Insurance (or like agency). Most DOIs publish consumer complaint ratios for the insurance carriers licensed to sell insurance policies in Michigan. These ratios can tell you how many complaints a car insurance carrier has received per 1,000 claims filed.
Tags: Car Insurance Company
Auto Insurance Question Joliet, Illinois IL
Reader’s Question:
Do you get a grace period to drive a vehicle home after purchasing from a private seller in Joliet, Illinois?
Jerry
Joliet, IL
I do not know any information for a grace period for insurance coverage in which to drive home a car after purchasing it from a private seller in Joliet Illinois. The information we found stated that before driving your new vehicle home from the dealer or the seller, you must have car insurance coverage.
To arrange coverage if you are purchasing a vehicle from a private seller should be as simple as calling your insurance provider and providing them with the required information on yourself and the vehicle. Most insurance providers can fax you a temporary insurance card that you must keep in your vehicle along with the registration card.
The only way that there may be a grace period is when you are transferring plates and coverage from one of your other cars to this one. If this is the situation you may be given time to switch the coverage off of one vehicle and onto the vehicle you are purchasing from private seller.
Tags: automobile, car insurance
Car Insurance SR22 Mount Prospect Illinois IL
Reader’s Question:
I live in Mount Prospect Illinois have insurance on one of my vehicles but not the second one. I have a good driving record but I just got ticket for driving without insurance, what do I do?
Randall
Mount Prospect, IL
The state of Illinois requires all cars registered and operated in IL to be covered by liability insurance. One way this law is enforced is by an individual being issued a moving ticket and convicted in court for driving an uninsured car. If convicted the Secretary of State for IL is notified and the license plates for the car are suspended.
Penalties for 1st time violators is a minimum $500 fine for driving an uninsured car. If you are driving a car while the registration is suspended for no insurance you will receive a minimum fine of $1000. Since you were found driving uninsured for your car, the best thing you should do is get insurance for that car.
After your penalties or fines are taken care and when you can provide the state proof of insurance and pay a $100 reinstatement fee your registration should be reinstated.
You may also be required to file proof of financial responsibility (SR-22) for 1 year in Mount Prospect IL or face a driver’s license suspension.
Tags: auto insurance, driving without insurance, sr22 insurance
Young Driver Insurance Des Plaines Illinois IL
Reader’s Question:
What is the penalty an 18 year old for driving a car with expired auto insurance in the Des Plaines Illinois?
Jimmy
Des Plaines, IL
At age 18 you are likely to be in the “full licensing phase” of the graduated license process in the Des Plaines and any city in Illinois. With this being the case, it seems your penalties for driving with expired car insurance would be the same as a motorist that is fully licensed.
The state of Illinois randomly checks cars for insurance by sending out questionnaires asking for the name of your insurance providers and policy number. Your license plates will be suspended if you do not have car insurance . If you are stopped for a traffic offense or in an accident, the traffic enforcement officer may cite you for not having auto insurance. If convicted you license plates will be suspended and you will pay fines of a minimum of $400 for driving without car insurance.
Your license plates may be reinstated with a $100 reinstatement fee and current proof of insurance. If you are found to be a repeat violator you can be required to serve a 4 month suspension period.
Tags: auto insurance, automobile, driving without insurance
Young Driver Auto Insurance Evanston Illinois IL
Reader’s Question:
We live in Evanston, Illinois. My son is nineteen, a full-time student in Arizona, and wants to purchase a vehicle (that we may need to co-sign). If the vehicle is bought in Arizona, can we insure it by adding an additional vehicle to our existing car insurance policy in Illinois? Or, should we remove his name as a driver from the other two vehicles for which we have car insurance?
Anne
Evanston, IL
If your son buys a car in Arizona, I do not believe your car insurance policy in Evanston Illinois will cover him. Arizona law requires that every car operating on their public roads be covered by one of the statutory forms of financial responsibility through an insurance provider that is authorized to do business in Arizona. (The state of Arizona requires minimum levels of $15,000/$30,000 for bodily injury liability per accident and $10,000 for property damage liability.) As for taking off his name from your current Illinois auto insurance policy, you will need to discuss your options with your insurance provider.
Tags: auto insurance, car, teen insurance, Young driver car insurance
Speeding Ticket Question Bloomington Illinois IL
Reader’s Question:
I received a speeding ticket in the state of Kentucky almost 4 years ago as I was passing through the state. I did not pay the ticket, and for some reason I never received any notification from Kentucky regarding the ticket. I just renewed my driver’s license in Bloomington, Illinois and they did not mention of this ticket. Is it safe to assume that the police officer never turned in the ticket that I received?
Andrew
Bloomington, IL
Many states have reciprocal arrangements and give ticket information to the motorist’s home state. The newly created driver’s license agreement, that replaces the previous driver’s compact, requires members states to notify tickets received by drivers to the state in which they hold a license from the state in which the ticket was received. Kentucky and Illinois are part of this interstate compact.
Sharing information between DMVs is a complex system with many databases being involved so occasionally there may be an error that prevents the ticket information from being transferred. This is probably what may have happened in your situation in Bloomington, Illinois. To verify if the ticket has appeared in Illinois, your home state, you can check your motor vehicle record.
Tags: automobile, car insurance, traffic violation