970 McHenry Avenue, Crystal Lake, IL 60014
Botto Gilbert Lancaster, PC

Call Today for Your FREE Consultation

Call Us800-338-3833 | 815-338-3838

Facebook Twitter LinkedIn
Subscribe to this list via RSS Blog posts tagged in car insurance

How Can I Protect Myself From Uninsured Drivers?Any driver knows that he or she assumes certain risks by getting behind the wheel. A driver with a history of safe driving often believes those risks to be fairly well minimized. After an accident, however, even the best drivers may find themselves financially impacted by the actions of others, especially if those others are underinsured or uninsured drivers.

Uninsured Drivers

There are an estimated 32 million vehicle owners in the U.S. currently without auto insurance. This means that nearly 13 percent of drivers on the road have no protection in the event of an accident, and in some states, the number is closer to 25 percent. Industry estimates suggest that more than $2 billion is paid annually on uninsured driver claims, not including fatalities or claims of permanent disability.

Insurance industry experts recognize that uninsured drivers usually struggle to afford the cost of insurance premiums. Many drivers who are able to maintain coverage often buy only the minimum coverage required in their states, which, in many cases, is insufficient for serious accidents. Consumer Reports found that the average cost of medical care for a “non-incapacitating injury” after an auto accident was $23,400, higher than the minimum bodily injury requirement in 14 states.

...

Posted on in Traffic Offenses

The Basics of SR-22 Insurance, DUI, illinois law, insurance, sr-22, criminal chargesIf you get pulled over and arrested in the state of Illinois for driving under the influence (DUI), then you can find yourself facing serious legal repercussions, including a hefty fine, a lengthy license suspension, and possibly even jail time. If you get convicted, these penalties will occupy more of your time and energy.

However, one of the often overlooked aspects of a DUI conviction is that you will also end up paying higher insurance premiums, once you get your license back. This is because of the need to provide Financial Responsibility Insurance, or SR-22 insurance, in order to get your license back after the suspension. What Is SR-22 Insurance? SR-22 insurance is just a form that you need to keep in your car. However, to get it, you have to contact an authorized SR-22 insurer in Illinois – often your car insurance company – and pay an extra insurance premium for the form. When the insurance company gets the payment required for the SR-22, they do not send the form straight to you. Instead, they send the form to the Illinois Secretary of State, first, to let them know that you have it. That way, if you ever stop paying these additional insurance premiums for the SR-22, the insurance company will notify the Secretary of State that you are out of compliance, and your license will be suspended immediately, putting you at risk of being pulled over by police until you are making the necessary payments, again. The Purpose of SR-22 Insurance To legally drive on the roads of Illinois, you need to have auto insurance. Our state has this requirement in place because, when uninsured motorists cause accidents, the people who are hurt in those accidents are often left with no compensation to be had for their injuries, even though they were innocent. Unfortunately, it is a fact of life that many drivers choose to forgo this insurance requirement. These uninsured drivers put others at risk of not getting the compensation that they deserve, should they get into a car accident with an uninsured driver. If you get convicted of a DUI, Illinois will use the fact that you need to get your license back to ensure that you are insured by requiring you to get SR-22 insurance. They find it especially important because, after a DUI conviction, both the state and insurance companies will consider you to be an “at risk” driver because of the new blemish on your driving record. Contact Us Today for Help If you have been pulled over for DUI in McHenry County, you need an effective DUI-defense attorney to fight for your interests. Contact the Crystal Lake defense attorneys at our firm online to help defend your case. Source: https://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/finressr22.html
Illinois State Bar Association State Bar of Wisconsin Crystal Lake Chamber of Commerce Illinois Trial Lawyers Association McHenry County Bar Association
Back to Top