Illinois Electronic Auto Insurance Verification Program
The new Illinois Electronic Auto Insurance Verification Program came into effect July 1st, 2021. The program announced by Illinois Secretary of State Jesse White, is a new twist on an old tale. Making sure everyone in Illinois has auto insurance.
The difference that this new program makes, is that your insurance is verified automatically twice a year. If you do not have at least liability insurance on your vehicle. After a few warnings you could end up with a suspended license.
Although your first instinct would be to go straight to the DMV check on the status of your car insurance policy so that you could get your license reinstated.
The DMV will direct you to contact your insurance carrier to reinstate your insurance.
Once you reinstate your insurance your license will be reinstated.
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Secretary of State Jessie White Launches Illinois Insurance Verification System
Secretary of State Jesse White Launching Electronic Automobile Insurance Verification
Program aims to crack down on uninsured motorists.
Those who receive letters must contact their insurance company or agent; do not visit a Driver Services facility.
Illinois Secretary of State Jesse White announced that automobile insurance verification will be conducted electronically.
This upgrade to the state’s mandatory insurance verification program will begin enforcement on July 1, 2021.
The program requires insurance companies to work in conjunction with the Secretary of State’s office to confirm electronically that motorists have automobile insurance. This program follows national standards established by the Insurance Industry Committee on Motor Vehicle Administration and is expected to reduce the number of Illinois motorists driving while uninsured.
“My office has led the effort to establish and implement an automobile insurance verification system online which will serve to reduce the number of Illinois motorists driving while uninsured,” said White. “The message is simple: if you don’t have auto insurance, get covered now. It is the law.
”Under the new Illinois Insurance Verification System (ILIVS), vehicle owners’ automobile insurance will be verified electronically at least twice a year at random intervals to ensure that vehicle owners are complying with the state’s mandatory automobile liability insurance laws.
The vast majority of vehicle owners will not have to do anything, as electronic verification of automobile insurance will be confirmed automatically.
If electronic verifications are unsuccessful, 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 suspending their vehicle registration.
Vehicle owners must contact their insurance company or notify their insurance agent that they received a letter with a specific reference number from the Secretary of State.
The insurance agent’s responsibility is to confirm electronically with the Secretary of State – through www.ILIVS.com – that the vehicle owner does in fact have automobile insurance on the verification date stated in the letter.
Beginning July 1, 2021, vehicle owners who are unable to prove insurance will face a license plate suspension and $100 reinstatement fee.
It is important to note that vehicle owners who receive the letter should NOT VISIT a Driver Services facility; instead, they should CONTACT THEIR INSURANCE COMPANY OR AGENT who can provide the necessary electronic proof of insurance needed to cancel the license plate suspension.
Vehicles owners who do not currently have automobile insurance must obtain insurance to avoid license plate suspension.
White chaired the Uninsured Motorist Verification Advisory Committee that worked with insurance companies, traffic safety advocates and members of the General Assembly. The advisory committee reviewed best practices and helped provide the guidelines used to establish legislation and program requirements.
In 2020, the Secretary of State began an Electronic Liability Insurance Verification program for vehicles registered in llinois.
What does that mean for you? Well 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).
Enforcement of the mandatory insurance law is accomplished through an Electronic Insurance Verification process and the issuance of traffic citations.
If the initial verification attempt does not verify that a vehicle is covered by a statutorily required minimum liability insurance policy, that vehicle will be checked a 2nd time after 30 days. This process allows our office to determine whether the vehicle was sold, placed into storage or otherwise not being driven on the roadways.
If the 2nd verification attempt does not confirm a liability insurance policy for the vehicle, the registered owner of the vehicle will be sent a registration suspension letter. The vehicle owner and insurance company will be required to prove that the vehicle was covered by a liability insurance policy on the date of the initial verification attempt within 30 days of the date of the letter through their insurance agent.
If the registered owner and insurance agent cannot provide proof that the vehicle was covered by a liability insurance policy on the date of the initial verification attempt, the vehicle’s registration will be suspended.
In order to have the registration suspension removed, the vehicle owner is required to obtain liability insurance and pay a fee of $100 to reinstate the vehicle’s registration.
If you are stopped for a traffic violation or involved in an accident, a law enforcement officer may issue a traffic citation if you are unable to provide evidence of insurance.
If convicted, your license plates will be suspended and you may face the following fines:
- Minimum fine of $500 for driving uninsured.
- Minimum fine of $1000 for driving a vehicle while the license plates are suspended for a previous insurance violation.
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.
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.