Do You Need Insurance to Register a Car in Illinois
If you’re thinking about registering your car in Illinois, there are a few things you should know. First and foremost, make sure to get insurance. Illinois is a no-fault state, so if you’re in an accident and the other driver doesn’t have insurance, you’re on the hook for all of the damages. Next, make sure to get your vehicle’s registration certificate. This document proves that your car is registered with the state and ready to drive. And finally, make sure to bring your registration documents and proof of insurance when you come to register your car.
What is covered under Illinois car insurance?
In Illinois, car insurance is required by law for all drivers, regardless of their driving history. The minimum liability limit is $25,000 per person/$50,000 per accident. If the car is worth more than $25,000, the insurance requirement increases to $50,000/$100,000. In addition to liability insurance, Illinois requires motorists to have collision and comprehensive coverage.
Illinois also requires motorists to have uninsured motorist coverage in case someone else’s uninsured driver causes a collision with your vehicle. This coverage pays for damages you incur if someone drives without insurance and crashes into your car. Finally, many IL residents choose to add personal injury protection (PIP) to their car insurance policy. PIP provides financial assistance if you are injured in a car accident and cannot work due to injuries.
How much does Illinois car insurance cost?
Illinois car insurance rates are generally lower than those in other states. However, you should still check your policy to make sure that all of the details are covered. For example, someinsurers will not cover damage done while your vehicle is being towed or lifted.
In Illinois, drivers must have liability insurance coverage of at least $25,000 per person and $50,000 per accident. The minimum required amount changes depending on the type of vehicle you drive. For example, a driver with a car worth less than $25,000 must have collision coverage while driving a car worth more than $25,000 must have comprehensive coverage.
Is it necessary to have Illinois car insurance?
If you are registering a car in Illinois, you will likely need to have liability insurance. Other things that may be necessary for registration include proof of vehicle ownership, emissions testing, and a driver’s license or state ID. You can check with the Illinois Secretary of State to see if any other requirements are necessary.
Conclusion
Yes, you need insurance to register a car in Illinois. Unless you have had your car registered in another state and brought it over to Illinois without ever registering it here, you will need to get insurance first. The Insurance Code of Illinois requires all persons who operate motor vehicles or who are engaged in the business of selling motor vehicle parts or services in this State to be licensed with the Secretary of State and carry automobile liability insurance. In addition, if you sell any product that is used as part of the installation or repair process for a motor vehicle, you must also carry product liability insurance.
