Drive Safely With Auto Insurance
No matter how hard one tries to be cautious on the road, accidents are inevitable. One could do all
possible rightful actions such as following traffic rules to the core and avoiding speeding tickets, but one
never knows what could happen next. It could be your own fault, someone else's, but the damage is
surely a pinch to the pocket. The best precaution is to have auto insurance by your side.
Rockford city has the highest death rate due to road mishaps in Illinois. Auto insurance laws in Rockford,
IL, require criteria minimum insurance cover that every driver needs to have. A minimum cover of
$20000 is required for personal injury and that of $15000 for damage to the property. As known from
insurance laws prevalent elsewhere, these minimum cover criteria might not be sufficient enough and it
would be wise to be prepared with a contingency cover for tough times.
It is crucial that before opting for an insurance cover, one needs to be aware of auto insurance laws
applicable in Illinois to act as a guide. The insurance law consists of provisions such as no fault collision
or comprehensive cover that are applicable as per the case. It would be better to have a planned
insurance cover that complies well with the applicable laws.
The enforcement of the insurance laws is strict enough, clearly stating that it is not wise to drive around
without an insurance cover. Enforcement is achieved by a questionnaire process (done randomly). If
your vehicle gets selected in random, you would need to answer several questions ranging from the
name of the insurer to the policy registration number. These answers are then verified with the insurer
and if anything suspicious is found, the license is suspended.
When stopped for violation of traffic, be sure that you would be asked for insurance. Being unable to
produce such documents would result in conviction. Under conviction, not only the license plate gets
suspended but also a minimum fine of $500 is charged for driving without insurance.
There are some auto insurance covers in Rockford IL that are mandatory while the others are not
compulsory, yet advised. While PIP and the no fault cover fall in the latter category, the UM and UIM
covers are from the former category. The UM cover ensures payment for injuries incurred in a hit and
run case or when a driver without auto insurance cover is responsible for the accident.