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Chicago DMV: Always At Your Service

The motor vehicle department of Chicago helps people of Chicago to easily transfer the title of a vehicle to the person they prefer. Now, what is a title? In today’s world everything that is legal requires a document. So the title too is a legal document of which the ownership of a person on a piece of property is established. So when you are either buying or selling a car or transferring to someone else’s name you need to go through some legal formalities. Legally, title and registration lies under the jurisdiction of the Secretary of State. Any transaction involving the transfer of a motor vehicle from one person to another must be accompanied by a completed Tax Form RUT-50 (Private Party Vehicle Tax Transaction).

The Chicago DMV requires the title of a possession (here a car) to be transferred to the desired person within 20 days after the exchange has taken place. The reasons under which a title transfer takes place are generally the purchasing a vehicle, selling of a vehicle, a loan being paid off, the vehicle being transferred to some family member, a vehicle being gifted or donated, making some corrections in the name or when one is inheriting a vehicle.

The Chicago DMV provides excellent service by making title transfer of used vehicles possible through some easy steps. One has to make sure that the application sections are completed successfully by both seller and buyer of the vehicle. It should be checked if the title has been signed and dated by the seller. The buyer is responsible for checking the mileage reading. The vehicle identification should be checked. The purchaser should also sign and date the title properly. Form VSD-190 has to be filled up for registering the vehicle. Tax form RUT-50 has to be filled up by the purchaser and lastly the title fee of $95* has to be paid. The Chicago DMV advises the buyer not to walk out of a deal without a signed-over title transfer document. The purchase of a car’s history report gets one the best deal for his/her car loan or insurance. When a new vehicle is bought the title is transferred by the dealer. For those who move into Chicago from outside Illinois, and has a car from a registered dealer outside the state, an RUT-25 form must be filled and submitted along with the applicable fees. The fees must be paid in check or money order, to Illinois Department of Revenue.

The Chicago DMV has set some rules for the transfer of title by the seller of a vehicle. The seller of the vehicle should locate the title of the vehicle he is selling. The odometer section needs to be filled in by him. He needs to fill in the name of the buyer using the correct spelling. He should properly sign and date the title and also verify if the buyer has signed the title and provided the correct information. As a seller completion of a bill of sale would be a smart move.

While a vehicle is being gifted, the procedure of the title transfer is similar to that while the vehicle was being purchased. The sales tax charged by the Chicago DMV is based on the year value of the model of the car. If the transfer is taking place between brother, sister, father or mother the sales tax value will be $15*.

Type in the zip at the tops to see how much money can be saved. Following the rules set by Chicago DMV keeps matters very simple.

Car Insurance Norms of Chicago DMV

There are certain norms set by Chicago’s Department of Motor Vehicles regarding car insurance to help the inhabitants of Chicago feel safe. These are made mandatory because if these aren’t made a part of the law, people usually tend to forget about getting their car insured and the absence of state control in car driving can lead to loss of numerous lives and properties.

The Chicago DMV has set a certain amounts under which a car owner must get is car insured. The car should be insured for a minimum amount of $15,000* in case the damage of another person’s property takes place by the policy holder’s care. In case of an injury or the death of a person, the car has to be insured under the amount of $20,000* and if it involves more than one person, the insurance amount should be $40,000*. If the car is not insured under these heads, the car owner is certainly not complying with the laws of the state. The norms set by it regarding car insurance also require that the driver has to carry the auto insurance proof with him in the car in case a law enforcement office wants to see it. At times, the Secretary of State’s office sends out letters at random, to car owners, asking for the verification of their current auto insurance status. In that case, you need to follow the steps and comply with the request of the state within 30 days.

The DMV of Chicago enforces the laws though a process where random questionnaires are sampled and through traffic tickets. The car owner is needed to provide the name of the insurance company and his policy number which will be cross-checked with the company named. In case the person fails to return the questionnaire or does not have his car insured, his license plate is suspended.

When stopped for violating traffic rules, the driver will be issued a traffic citation in case he is not able to produce the evidence of the car insurance. When faced with an accident, failure to show proof of car insurance will lead to suspension of the license plates with an additional fine of $500* for being an uninsured driver and $1000* if the driver has a previous case of insurance violation. The norms set by Chicago DMV regarding car insurance shows that insuring one’s car and keeping the policy card is of vital importance. The DMV has set a reinstatement fee of $100* and the latest evidence of insurance for the first time offenders. For repeat offender the reinstatement fee remains the same while the suspension period goes up to four months. The production of the recent insurance evidence remains mandatory.

The norms set by DMV regarding car insurance require every car being driven (cars, vans, trucks, motorcycles and even recreational vehicles) to have liability insurance.
These measures taken by the Chicago DMV has made car driving a disciplined activity. People have learnt how to be careful while driving their cars on the road. Enter the zip at the top of this page and get a car insurance quote. Abiding by the laws does not take much time. It only takes a few thoughtful actions on the part of the inhabitants and Chicago DMV acts as the guide.