New Illinois Car Insurance Program Hopes to Make Life Easier for Everyone

Illinois will begin verifying car insurance electronically, starting July 1. What does this mean for drivers in the Prairie State?
Written by Andrew Koole
Reviewed by Kathleen Flear
Jun 21, 2021
Illinois
will begin verifying
car insurance
electronically, starting July 1. The program is meant to lower the number of uninsured drivers on the state’s roads.
The new verification system will follow national standards set by the Insurance Industry Committee on Motor Vehicle Administration.
Learn more about the verification program, how it will benefit Illinoisians, and how to find
cheap car insurance
in the state below.
Illinois will make it easier than ever to verify you're insured | Twenty20

Illinois’ electronic insurance check

13 WREX
reports that the new Illinois Insurance Verification System (ILIVS) will verify drivers’ car insurance at random at least twice a year. If the system can’t verify your insurance, a request will be sent to you to prove you have the minimum insurance the state requires.
Insurance companies and the Secretary of State’s office are working together to launch the program.
Jesse White, Illinois’ Secretary of State, told 13 WREX what he hopes the new system will communicate to drivers. "The message is simple," he said, "if you don’t have auto insurance, get covered now. It is the law."
Most drivers won’t have to do anything since ILIVS conducts its process automatically. Anyone whose insurance can’t be verified will be sent a reference number to send to their insurance company. But if they can’t prove they have insurance, they’ll be slammed with a license plate suspension and a $100 reinstatement fee.

Why everyone benefits when we all have insurance

Making sure drivers have insurance saves everyone money, from the government and the legal system to individual drivers. That’s because
uninsured motorists
cost the rest of society a lot of money.
People without car insurance compel others to buy
uninsured motorist coverage
. The more uninsured motorists there are, the more expensive UM becomes.
Insurance companies determine their rates based on the risk that a claim will be made. So logically, if there are a lot of uninsured drivers in your area, you are more likely to need to make a claim under your UM, and your rate will increase.
Uninsured drivers also negatively affect other
types of car insurance
. Premium rates change from state to state, but in
Oklahoma
, where in 2014 the rate of uninsured drivers was a shocking 25.9 percent, the average minimum coverage costs $82 a month. For a primarily rural state, this is a lot.

How to find the right car insurance for the right price

Whether you live in Oklahoma or Illinois, having uninsured motorist coverage is a good idea. In Illinois, the law actually requires you to include it in your policy.
With all these different requirements and factors from state to state, finding the right coverage at a good price can be pretty tricky. But it gets a lot easier when you use
Jerry
.
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National General
Allstate
AAA
Aig
Chubb
ClearCover
CSE
Dairyland
DirectAuto
Elephant Auto Insurance
Kemper
Libertymutual
Gainsco
Mapfre
Mercury Auto
Metromile
Nationwide
Plymouth Rock
Progressive
State Auto
Safeco
Travelers
Metlife
Bristol West

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