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Chicago Auto Insurance Laws – Basic Information

Chicago auto insurance laws have been highlighted to provide protection to all drivers. The authority pays attention on the enforcement of auto insurance in a very strict way. If someone is found driving on the road without proper auto insurance then he is considered a violator. You must have full insurance coverage and the proof of ownership while you are driving.

Chicago insurance laws state a minimum coverage for all road vehicles. It includes about $25000 for any serious wound of the driver, $50000 for death of more than one person and $10000 for any damage to any property. Drivers should have more than the required coverage because sometimes an accident occurs and the insurance account may be zeroed out thus financial protection is limited resulting to potential losses.

In Chicago all the drivers have to show the insurance proof when asked for it. There are lot of ways of showing the proof such as insurance card, proof of vehicle purchase and certificate of cash bond among others. There are some situations wherein you will be asked to provide the insurance proof. Police will stop you and may ask you to show some proof of car insurance. Moreover if you encounter an accident the police will ask the same question and if you register a particular vehicle the same question will be asked.

If you do not have any proof of insurance then the vehicle registration can be suspended and once it happens then you have to pay for the reinstatement fee. It costs around $250-300 and may change. The registration of the vehicle can be suspended for around 4 months and you are obliged to show the insurance proof within 4 months. Moreover car insurance in Chicago can also charge you an added fee of $1000 for other penalties not mentioned. Your driving license can be cancelled for about 3 or 6 months if you commit the same mistake for the second time..

As the Chicago insurance laws are very strict, you cannot drive without insurance. You do not just face fines or penalties but you also have to pay all the recovery costs if your insurance has some errors. You have to meet the medical requisites as well and also possible property damage expenses caused by you along with the safety of other parties involved in the accident. With this, you have to pay a heavy amount of money. You should cooperate with the authorities and follow auto insurance laws in Chicago.

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