Imagine a free highway with not many vehicles around. You’re on your way to check out Chicago’s finest destinations. You may be in a hurry to visit the Garfield Park Conservatory. While stepping on the gas pedal, you hear the sound of a police car behind you. You pull over, and you realize you went over the speed limit — again.
If this situation results in a suspension of your license, you have hope in the form of an SR-22 car insurance in Chicago, which can restore your driving privileges.
Sometimes though, you can mitigate the impact of a traffic offense by approaching the situation calmly and with your wits about you.
As soon as the police officer walks up to your car, your defense against speeding charges starts. As the Miranda rights state, anything you say can and will be used against you in the court of law.
All your statements will take part in the court proceedings. This is why it’s crucial that you remain calm and respectful.
Remember not to provide information more than what the police needs or asks. Keep in mind that you are not required to agree with the officer’s assessment.
Be polite still and compliant with reasonable requests. You will know when the officer’s requests are reasonable if you’re familiar with the speed limits in Illinois.
Know the Speed Limits
The Illinois State Police reminds drivers that it’s their responsibility to be aware of the posted speed limit. The state’s speeding law restricts driving at a speed “greater than is reasonable and proper with regard to traffic conditions and the use of the highway, or endangers the safety of any person or property.”
Here’s a list of the maximum speed limits in Illinois:
- 65 miles per hour on state highways
- 55 miles per hour on other highways, roads, and streets
- 30 miles per hour on urban district roadways
Here are the consequences:
- $120 fine for 1-20 miles per hour over the limit
- $140 fine for 21-25 miles per hour over the limit
- $1,500 fine (Class B misdemeanor) for 26-34 miles per hour over the limit
- $2,500 fine (Class A misdemeanor) for 35 miles per hour or more over the limit
Handle speeding charges better with a deep knowledge of, or familiarity with, Illinois’ speeding laws.
The Insurance with Assurance
All “high-risk” drivers in Chicago need an SR-22 insurance certificate (or the Certificate of Financial Responsibility), as required by the Illinois Department of Motor Vehicles (DMV). The SR-22 isn’t a kind of insurance. It’s a confirmation that you’re maintaining your car insurance liability coverage. If you find yourself obliged to have this certificate, Oxford Auto Insurance can help you.
Some car insurance providers set the policy rates depending on the applicant’s record. We can provide guidance in such instances. We compare policies from more than 15 insurers. This will allow you to find the insurance that fits your needs, your budget, and that comes with an SR-22 certificate.
For a free quote, give us a call today.