DUI In Illinois – What Are The Penalties?
Reader’s Question:
What kind of penalties would I have after I get arrested for a DUI here in Illinois? Thanks!
Suzie
Bloomington, IL
In Illinois, it is a very serious offense to get a DUI or Driving Under the Influence charge. Anyone found guilty would not only face the immediate suspension of their driver’s license, not to mention some very high fines, but could also get in jail depending on the gravity of the DUI offense, like managing to cause an auto accident while drunk. Your auto insurance policy may also become very, very expensive, if not canceled altogether.
So if you do get into a DUI, getting the right DUI auto insurance coverage in Illinois is a crucial part of getting your driver’s license restored. Aside from getting appropriate auto insurance coverage, an authorized auto insurance company would also be the one to file an SR22 form for you to the Illinois Secretary of State office, which is a prerequisite to getting your driving rights reinstated.
You might also notice that a DUI auto insurance policy costs a lot more than your average auto insurance coverage. That’s because a DUI offender represents a big liability to the auto insurance company’s business, so the cost of insuring them is also expensive. However, that doesn’t mean you cant find a relatively affordable DUI auto insurance policy, and the right one can be worth hundreds of dollars a year in savings.
These days all you have to do to locate an affordable DUI auto insurance provider is to go online. With the many dedicated websites allowing free and instant access to the latest rates, and most competitive policies, from auto insurance companies specializing on DUI cases, finding the best-priced policy is now easier than ever.
It would only take minutes of your time to shop and compare auto insurance rates coming from a wider variety of DUI auto insurance companies available. If you do it right, the best policy may just be a few mouse clicks away.
DUI in Illinois? – What Will Happen to My Auto Insurance Rates?
Reader’s Question:
I got convicted of DUI in Illinois and I would like to know what will happen. What will happen to my auto insurance?
James
Chicago IL
Getting arrested and convicted for A DUI or Driving Under the Influence in Illinois is a very serious offense. If found guilty, you not only risk losing your driver’s license and having to pay some very high fines or penalties, you could also do time in jail if the gravity of your DUI offense is severe enough (like causing an auto accident because you were drunk, for example). You may also end up getting your auto insurance policy canceled.
If you find yourself in this boat, getting the right kind of DUI auto insurance in Illinois is one key step to getting yourself back on the road. You would need an authorized auto insurance provider to not only provide you the necessary coverage, but to also file an SR22 form to the Secretary of State’s Office in Springfield, IL. Before you can become eligible to get your driving privileges reinstated.
Don’t be surprised if you notice a DUI auto insurance policy costing two or three times more compared to a regular auto insurance. The nature of the driver, and the high-risk he/she is carrying due to the DUI offense on record, is itself the reason why this kind of auto insurance is a lot pricier than most. However, relatively affordable DUI auto insurance coverage is still out there, and knowing how to get one can save you hundreds of dollars a year.
The best way to get an affordable DUI auto insurance is to be able to get the latest auto insurance rates to compare from, coming from a wide variety of auto insurance providers on the market. The Internet is your most effective tool and resource to accomplish this. With the help of the many dedicated auto insurance websites and portals specializing on DUI cases.
It only takes minutes to get the necessary information you need to find the best DUI auto insurance provider suiting your needs. Take good care of your driving record from now on, as well, to help you get cheaper rates sooner.
SR22 Insurance Filing In Illinois
Reader’s Question:
They took my driver’s license away because of my DUI and now that the revocation period is almost over, I need to have a new driver’s license here in Illinois but I also need SR22 filing, how do I do that?
Angelo
Waukegan, IL
Because your Illinois driver’s license has been revoked, you have to work your way in getting SR22 insurance filing so that you can have a new driver’s license. SR22 insurance is a form that is being added to a car insurance policy and is being required for those who have been convicted for driving under the influence (DUI) or for those who have had a driver’s license suspension or revocation for some other reasons.
SR22 insurance filing needs to be done by your car insurance company to the Department of Motor Vehicles (DMV). If you are not currently insured, you have to find a car insurance company that does SR22 insurance filing. You may get a hard time finding a car insurance company that will insure you because of your status as a high risk driver, but there surely is one that would be willing to do SR22 insurance filing for you but at a higher price than what you used to pay for your car insurance.
Through SR22 insurance filing, your car insurance company guarantees the DMV that you have at least auto liability insurance. Remember that you have to maintain this for a specific amount of time because if not, the DMV would have to suspend your driver’s license until you show them that you have SR22 insurance filing again.
Do You Need Drunk Driver Insurance in Illinois?
Reader’s Question:
My driver’s license was suspended because of my drunk driving charge. Is it true that this can be a reason for my car insurance rates to go up?
Barry
Des Plaines, IL
The states don’t allow insurance providers not to give coverage to people because of their color, faith, residence, profession or age but they can drop your policy for some other reasons. This includes having a suspended driver’s license, too many tickets or having a felony, criminal negligence or DUI conviction. Car insurance providers typically treat those who have drunk driving charge differently than those who have a clean driving record. They usually charge higher car insurance premium rates or they can even drop the policy.
Since you have a drunk driving charge in Illinois, you will be tagged as a high risk driver. If your car insurance provider finds out about it and decides to keep you, they would likely increase your premiums. In that case, you will be expected to file a proof of insurance, or what is called SR22, so that your driver’s license will be reinstated. Also, because of the SR22, your car insurance provider would notify the Department of Motor Vehicles if your car insurance policy is canceled for whatever reason.
Drunk Driver Insurance in Chicago Illinois
Reader’s Question:
I got into an accident because I was drunk while driving my friend’s vehicle here in Chicago, Illinois. If I have full coverage and he only has liability insurance, will my insurance cover the accident since I was the one driving the car?
Aaron
Chicago, IL
The phrase “full coverage” is being utilized by most of us when we point out to Physical Damage coverage. This means that a person has Liability insurance and Physical Damage, at times besides other insurance combination’s to be fully covered. Physical damage coverage comprises Collision and Comprehensive coverage. Typically, collision insurance covers damage to only your vehicle caused by collision with another object or by upset. On the other hand, comprehensive insurance covers damage to only your vehicle from theft, vandalism, glass breakage or anything other than Collision.
Most mortgage holders, loss payees and rental companies demand Physical Damage coverage if you are financing or leasing your automobile. This coverage doesn’t extend to other automobiles and they won’t cover your friend’s car or become secondary insurance behind another car’s primary insurance. His liability coverage in Chicago, Illinois will be “primary,” and your liability coverage would be “excess or secondary” to the liability coverage.
DUI – Car Insurance in Illinois After DUI Conviction
Reader’s Question:
My brother got his second DUI offense here in Evanston, Illinois and we all hope he doesn’t get convicted again. In case that happens, how can he get car insurance after his two DUI’s?
Francesca
Evanston, IL
We all know and understand that a DUI is a very serious charge and you can jeopardize your own life and that of other people by drinking and driving. It may be hard for your brother to get a car insurance after being charged again with his second DUI in Evanston, Illinois, especially if he gets convicted. The first thing that he would have to do is get the SR22 form procedure completed by his insurance company. This is the official documentation required for him to reinstate his license and get his car registered at the local DMV.
You brother has to submit the SR22 insurance form to the local DMV but take note that his license would be put on probation for at least two years. His car insurance premium is going to be extremely high because he will most likely be termed as a ‘high risk driver.’ In case he’s having a hard time finding a car insurance company who would give him coverage, I advise him to try and get an online rate quote from this very website because it offers DUI insurance even for second offenses.
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Auto Insurance After DUI in Illinois
Reader’s Question:
I got charged with DUI here in Aurora, Illinois and if I get cleared, will my car insurance rates still increase? If so, how can I avoid an increased rate on my car insurance?
Heriberto
Aurora, IL
Even if you get cleared for your DUI charge in Aurora, Illinois, your car insurance company could still increase your rates, just because you were arrested for DUI. It is actually their right to increase your car insurance rates for the DUI arrest, but it is also your right not to notify them unless you are actually convicted for DUI. To avoid increased car insurance rates, you have to retain a good DUI lawyer after your DUI arrest if you are able to afford one.
You should ask your DUI lawyer as soon as possible on how to avoid increased car insurance rates after a DUI conviction. The DUI lawyer could advise you on what to say to your insurance company and when you have to say it. You also have to understand that you would experience some level of increased car insurance rates unless your DUI case is dismissed. You also have to ask your DUI lawyer about DUI support groups in your area. You could not only gain some comfort by talking with others, but you could also get peer advice for finding good car insurance and coping with financial pressures caused by your DUI charge.
Illinois Auto Insurance Canceled After DUI Charge?
Reader’s Question:
Is it true that my mom’s car insurance can be canceled because of her DUI charge here in Des Plaines, Illinois?
Val
Des Plaines, IL
Most of the state laws regarding insurance specifically spell out the circumstances under which a car insurance company can cancel a policy. There are certain grounds for cancellation of car insurance and the most common are:
-you or a member of the household loses driving privileges during the policy period because of license expiration, suspension or revocation
-you fail to pay the premium on time
-you misrepresent material facts about your risk – which means your driving history, claims history or the number of people who have access to your vehicle.
In your mom’s DUI case if her driver’s license is suspended or revoked, this can be a ground for the cancellation of her car insurance. This can be very inconvenient for her so if her car insurance gets canceled, she needs to get another car insurance provider right away. Luckily, she can definitely get great car insurance it will just be a little harder to find, and the rates will obviously be a little higher, but don’t give up hope. Clean up her act, and the rates will eventually go back down over time.
DUI Car Insurance in Illinois After Drunk Driving Conviction
Reader’s Question:
My cousin told me that he has a big problem about his car insurance rates because of his DUI conviction in Skokie, Illinois. Is it true that it will be largely affected because of his drunk driving conviction?
Malcolm
Skokie, IL
Your cousin’s drunk driving conviction in Skokie, Illinois could bring many negative consequences into his life. Aside from the legal consequences such as possible jail time, fines and a criminal record, he would also have higher insurance premiums. If he is currently insured, his car insurance provider would, of course, respond to this circumstance. What his car insurance company can exactly legally do would vary but his car insurance company may cancel or decline to renew his policy, restrict coverage provisions or, at a minimum, increase his premiums.
Although the amount of increase could greatly vary, his premiums could go up as much as 100 percent or more. How his car insurance provider reacts to his DUI could be worse if he has other strikes against him, such as traffic tickets, previous drunk driving convictions, late or unpaid insurance premiums, at-fault accidents or other negative history with the insurance company. He can obviously get free online rate quotes from various car insurance companies such as the ones available from this website.
SR22 Filing For Auto Insurance in Illinois
Reader’s Question:
Recently I started filing my SR22 insurance policy in Arlington Heights, Illinois due to DUI. Is there anything I can do to appear less risky to an insurance company?
Robert
Arlington Heights, IL
You hit the nail on the head for what you have to do with your Arlington Heights, Illinois SR22. Risk is what is making you pay too much for your auto insurance coverage, and nothing else, so the best thing to do for people who do not want to pay more is to ease up on the risk factor. A lot of ways is out there for you to prove your responsibility with little to no effort.
One way to do is for you to sign up for a defensive driving course. You can call your Arlington Heights, Illinois SR22 auto insurance provider first to find out a list of defensive driving classes which count, because not all will and you do not want to waste your time. A defensive driving class is a good way to lower your risk, most especially if you have SR22 insurance policy due to DUI, because not only do you obtain an auto insurance discount, but you also learn a few things which assist you in the future.
Now, you can only use a defensive driving course to save you money if you are not mandated by the state to take it. If taking a defensive driving course is part of your required DUI recovery track from the court, then unfortunately this is not an option for you.
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