Mandatory Insurance Vehicle Services


Beginning in 2020, the Secretary of State will begin an Electronic Liability Insurance Verification program for vehicles registered in llinois. Each vehicle's liability policy will be verified at least twice each year through a 3rd party vendor. The vendor is linked electronically with all insurance companies that write vehicle liability insurance policies in the state of Illinois. Vehicles with valid registration must comply with the Mandatory Insurance Law (625 ILCS 5/7-601).

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Enforcement

Enforcement of the mandatory insurance law is accomplished through an Electronic Insurance Verification process and the issuance of traffic citations.

Purchasing Insurance

Contact an insurance agent to purchase liability insurance for your vehicle. Some insurance companies do not sell insurance to vehicle owners who have been driving uninsured. If you encounter problems purchasing insurance, ask the insurance agent about the Illinois Automobile Insurance Plan.

The Illinois Department of Insurance maintains a Consumer Service Division that can answer any questions you may have about automobile insurance. You may write to:

Illinois Department of Insurance, Consumer Service Division
320 W. Washington St., 4th Floor
Springfield, IL 62767

Suspension and Reinstatement

The license plates of a 1st time offender are suspended until liability insurance has been purchased and a reinstatement fee of $100 is paid online through the website ILIVS.COM. Repeat offenders are required to serve a four month suspension, obtain liability insurance and pay a fee of $100 online through the ILIVS.COM website prior to reinstatement of their license plates.

While the license plates are suspended, no one may operate your vehicle; however you may operate other vehicles that are insured. To process the reinstatement, you must contact an insurance agent, obtain liability insurance and log onto the website ILIVS.COM. You will need the reference number printed on the registration suspension letter to log onto the ILIVS.COM website. If you no longer have the registration suspension letter, you may use the Vehicle Identification Number (VIN) lookup function.

Vehicle Affected

Liability insurance is required for all motor vehicles that must display license plates and are being driven, including cars, vans, motorcycles, recreational vehicles, trucks and buses. Trailers are not required to have liability insurance.

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