This is an important message to all drivers in Illinois, especially those who do not currently have car Insurance. A new law that replaces individual paper insurance cards with an electronic database will soon be implemented. Instead of keeping proof of insurance in the glove compartment of your car, now your license plate act as the proof. Here are all the details of this new law:
The Illinois Secretary of State will be working with every insurance company in the state, gathering insurance information of every single one of their covered drivers. In other words, all insurance companies will be required by law to provide relevant insurance information about their clients to the Secretary of State. All of this information will be put into an electronic database that keeps track of who currently has Auto Insurance and the amount of coverage they have. Remember, if you are driving on public roads in Illinois, you need to at least have Basic Liability Insurance. Otherwise, you are breaking the law.
The Secretary of State will be required to verify that every driver on the road has basic liability insurance. Police officers will have the ability to enter a driver’s license plate number into the Secretary of State’s electronic database to find out whether or not they have basic liability insurance. Every twelve months, all cars that are parked on Chicago streets will have their license plates scanned by police officers. If the database shows that a vehicle does not have basic liability auto insurance, then that driver will receive a ticket. It will be the same type of consequence as not displaying a city sticker or parking illegally on the street.
In the immediate future, Chicago drivers will not be carrying paper insurance cards to prove that they have basic liability insurance. Instead, they will be registered in the system through their license plate. Unfortunately, this means the rate of tickets will go way up. Police officers will now be able to find out if you don’t have auto insurance even if your car is simply parked outside of your home. So, why is the state of Illinois implementing this law? Are they trying to crack down on those who don’t carry auto insurance to keep all drivers more protected? Or, are they trying to capitalize on all the uninsured driver’s who will have to pay the Secretary of State when they receive tickets on their vehicles?
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