In Illinois, state and federal laws require drivers to fulfill their financial obligations related to auto insurance. Any failure to acquire the required coverage could result in civil or criminal penalties based on the circumstances when the violation is discovered. Liability insurance in Fox Lake IL is the lowest acceptable coverage level allowed in the state.
Medical Expenses for the Victim
The insurance coverage provides funds to pay the medical expenses for the victim. After an accident occurs, law enforcement identifies the responsible party. They complete an accident report that describes the events leading up to the accident. It also identifies all victims and drivers involved in the accident. All drivers are required to submit a copy of the accident report to their insurance provider. The accountable party must provide the victims with their insurance information. This allows the victims to file a claim to acquire coverage for their medical expenses.
Payment for Auto Repair
At any time that auto damage occurs, the accountable driver must contact a claim’s adjuster. The claim’s adjuster visits the scene to evaluate the damage. The automobile owner must acquire at least three estimates for their auto repair requirements. These estimates give the claim’s adjuster a median cost for the repairs. Once the claim is processed, the automobile owner receives a check to cover these expenses.
Reducing the Potential for a Lawsuit
The state and federal laws that pertain to liability insurance are in place to prevent potential litigation. If the at-fault driver in an accident doesn’t have insurance, the victim cannot file a claim to acquire coverage. This leads to other legal pursuits to acquire compensation. If this occurs, the at-fault driver could face extensive out-of-pocket expenses.
The civil penalties for driving without insurance could equate to at least $500. However, the court may increase the civil penalty based on the severity of the victim’s injuries. This could lead to the need for SR-22 auto insurance.
In Illinois, all drivers must have liability insurance. If they don’t have insurance, they could face serious consequences. These consequences could result in a revoked driver’s license and suspended vehicle registration. Auto owners who need Liability Insurance in Fox Lake IL should contact us for more information.
