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Car Insurance Laws – Illinois Secretary of State Jesse White announced that auto insurance verification will be done electronically. This update to the state’s mandatory insurance verification program will go into effect on July 1, 2021. The program requires insurance companies to work with the Secretary of State’s office to electronically verify that drivers have auto insurance. The program follows national standards established by the Insurance Industry Committee for the Motor Vehicle Administration and is expected to reduce the number of Illinois drivers driving while uninsured.

“My office has led efforts to establish and implement an online automatic insurance verification system that will serve to reduce the number of Illinois drivers who are driving without insurance,” said White. “The message is simple: if you don’t have car insurance, get it now. It’s the law.”

Car Insurance Laws


Under the new Illinois Insurance Verification System (ILIVS), vehicle owners’ auto insurance will be electronically verified at least twice a year at random intervals to ensure that vehicle owners are in compliance with the state’s mandatory auto liability insurance laws. Most vehicle owners do not need to do anything, as the electronic car insurance check will be validated automatically.

What Are Car Insurance Cancellation Laws And Why It’s So Important

If the electronic check is not successful, the Secretary of State’s office will send a written request to the vehicle owner giving them the opportunity to prove they have insurance before the vehicle’s registration is suspended. Vehicle owners should contact their insurance company or inform their insurance agent that they have received a letter with a special reference number from the Secretary of State. It is the insurance agent’s responsibility to verify electronically with the Secretary of State – via – that the vehicle owner actually has car insurance on the verification date specified in the letter. Beginning July 1, 2021, vehicle owners who cannot prove insurance will have their license plates suspended and a $100 reinstatement fee.

It is important to note that vehicle owners who receive letters do not have to visit the Driver Services facility; instead, they must contact their insurance company or an agent who can provide the necessary electronic proof of insurance required to reverse the license plate suspension.

White chairs the Uninsured Motorist Verification Advisory Committee, which works with insurance companies, traffic safety advocates and members of the General Assembly. The Advisory Committee reviews best practices and helps provide guidelines used to establish legal and program requirements. On August 5, 2022, New Jersey Governor Phil Murphy signed into law S-481 increasing the minimum auto insurance. According to a New Jersey auto accident attorney, this is the first increase in motor vehicle coverage minimums since they were first established 50 years ago. This long increase will help car accident victims to claim proper compensation for the damages caused by the car accident.

The new law requires standard auto insurance policies to cover $25,000 in bodily injury coverage for one person involved in an accident for plans renewed on January 1, 2023. After January 1, 2026, the minimum coverage for one person in an accident will increase to $35,000 .

State By State Car Insurance Minimums

The law also increases the minimum coverage for accidents that injure more than one person to $35,000 on or after January 1, 2023. This coverage increases to $70,000 on or after January 1, 2026.

In addition, the bill increases the minimum coverage for property damage caused by motor vehicle accidents to $25,000 effective January 1, 2023. There is no further adjustment to the minimum property damage coverage included in the bill.

Buying a standard New Jersey auto insurance policy means making certain decisions about coverage. This choice affects both the price of your insurance and what damages will be paid in the event of an accident. According to New Jersey attorneys, one of the most important decisions you can make is your right to sue after a car accident.


There is an important difference between choosing an unlimited right to sue option and a limited right to sue option on your car insurance policy.

Car Insurance Cancellation Laws: What You Need To Know

An unlimited right to sue allows you to retain your right to sue the person responsible for the car accident for pain and suffering due to injuries sustained in the accident.

However, a limited right to sue greatly limits your ability to hold the negligent party liable after a car accident. Under the limited right to sue option, you can only sue for pain and suffering in certain situations listed below where you suffer a permanent injury:

If you choose a limited right to sue policy, you can still sue for medical expenses and some economic losses within the policy limits. New Jersey car accident attorneys recommend that you have as much insurance as you can afford and retain your full rights regarding your ability to sue. Choosing a limited right to sue option may reduce your ability to recover financial compensation for your losses. No one expects to be involved in a serious car accident, but effective planning and an insurance policy can help you recover financially when tragedy strikes.

Drivers in New Jersey have the option of choosing basic auto insurance. Consumers who choose basic insurance have very limited options to recover compensation after a car accident. Basic coverage usually has a lower premium than standard insurance. However, the consequences of driving with such a low coverage can be significant and very difficult to afford. Under basic insurance, consumers have several options for suing the other driver after a car accident. New Jersey car accident attorneys encourage consumers to consider all the implications for basic insurance before choosing that option.

Why You Need Bodily Injury Liability Coverage

The aggressive litigators at the Wieand Law Firm have years of experience fighting with insurance companies to ensure you receive the best possible compensation after a car accident. We strive for exceptional customer care by advocating for our customers when insurance brokers deny or discount claims.

Call today for a free consultation about your claim. We understand that recovering from a car accident can be difficult both physically and financially. We can help you get back on your feet by understanding the legal options available to you and seeking compensation for your losses. Call 215-666-7777 today or send us a message via the online form to speak directly with an attorney. It’s hard to imagine a world without car insurance, but in the early days of motor vehicles, car insurance didn’t exist! So how did we get to the point where almost every state has laws requiring a minimum amount of coverage? Well, we dig deep into the history of car insurance in America to find out! So if you ever wondered

1891: The first known automobile accident occurred when James William Lambert, the inventor of the automobile, hit a tree root, causing him to lose control of the vehicle and crash into a tow pole. Fortunately, Lambert and his passenger escaped without serious injuries.


1897: The first automobile insurance policy was issued to Gilbert J. Loomis of Dayton, Ohio. Loomis’ policy, purchased for $1,000, will provide financial protection if the vehicle injures someone or damages any property.

Commercial Vehicle Insurance Coverage

1903: Massachusetts and Missouri required drivers to obtain and carry driver’s licenses, one of the first driving restrictions. Up to this point, anyone can put the pedal to the metal. In fact, many drivers learn to drive by people who sell them vehicles!

1925: Connecticut became the first state to offer liability insurance to motorists as a way to comply with new financial responsibility laws.

1927: Massachusetts makes auto insurance history by becoming the first state to require car owners to purchase auto insurance. These Massachusetts lawmakers are thinking ahead—they’re the only state to require auto insurance for nearly three decades.

1956: 29 years later, other states began to see the benefits of mandatory auto insurance laws and followed Massachusetts’ lead. New York was the first state to follow suit, followed shortly by North Carolina.

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1991: Direct Auto Insurance is founded by William Adair. He envisions a premium, non-standard car insurance company that serves its customers better than other insurance companies.

Today: Car insurance requirements vary by state, and all but two, New Hampshire and Virginia, require mandatory (required) car insurance. Both states still require proof of financial responsibility and recommend purchasing automatic coverage.

Direct Auto Insurance has been providing affordable coverage since 1991! We are committed to giving you the coverage you need, the service you want and the respect you deserve. Call 1-877-GO-DIRECT today for a fast and free auto insurance quote and to learn more about your state’s insurance requirements! Whether you’ve been a Colorado resident for a long time, just moved to the state, or just bought a vehicle, it’s important to understand our state’s laws regarding auto insurance. If you don’t properly insure your car, you could find yourself in significant financial and legal trouble.


Each state has its own laws regarding car insurance and how it should be collected. When you move or travel to a new country, it is important to know what will happen if you are involved in a car accident. A little forethought and preparation can save you

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Riski Akbar
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