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.

DUI – Drivers License Suspended in Illinois?

Reader’s Question:

My driver’s license got suspended and it is nearing the end of the suspension period. How do I get my license back so that I can drive again especially to and from work here in Aurora, Illinois?

Cannon

Aurora, IL

To have your driver’s license reinstated so that you can drive again especially to and from work in Aurora, Illinois, it would depend on what the violation was and the state laws or regulations of the state where your license got suspended or revoked. If the reason why your driver’s license was suspended was due to unpaid tickets then it could be as simple as paying the fines and fees for these violations and complete the requirements to have your driving privileges back.

If your driver’s license got suspended due to a DUI offense, the state of Illinois might require you to complete DUI school, pay fines and get an SR22 auto insurance. If your driver’s license was suspended due to a lot of points, check if a driving improvement class could let you have your driving privileges back. You can also contact the Department of Motor Vehicles to get particular information on reinstating your driver’s license.

Tags: DMV, driver’s license, drunk driving insurance, DUI, SR22 insurance

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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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.

DUI in Illinois – What Happens If I am Caught?

Reader’s Question:

I am an occasional drinker and when I drink, I usually just drive myself home. I have never been charged with DUI here in Joliet, Illinois, but if I will be caught drunk driving, what do I stand to lose?

Clay

Joliet, IL

If you are a drinker, it’s a good thing that you want to know what you stand to lose by driving drunk. To know why this is such a bad idea is essential to help you plan before you head out to party and drink and drive yourself home.

In the state of Illinois, the legal limit for blood alcohol content (BAC) is .08 percent. If you are caught in Joliet, Illinois with a BAC that is higher than the limit, you could lose your license, head to jail, or be asked to perform community service. Of course, you will have to pay fines for a DUI offense. Education and alcohol treatment may also be a requirement and you will have to pay for these classes and assessments.

If you lose your driving privileges, you would have to do several things before you can get it back. First, you would have to pay a steep fine on top of the fines that you have already paid and you would have to complete an alcohol education course in order to get it back.

If you get your license back, you would have to prove that you are insured but your insurance company may also drop your coverage. You can find another insurance provider to cover you, but it would be expensive. You will be tagged as a ‘high risk’ driver if you have a DUI offense, thus insurance companies may charge high premiums. So with that said, it would be far better to avoid the DUI at all costs than to deal with these expenses.

DUI SR22 Auto Insurance in Illinois

Reader’s Question:

A friend’s Dad was arrested for drunk driving in Peoria, Illinois. He was asked to file an SR22. What happens if he refuses to do this?

Karen

Peoria, IL

Good Question, Karen.

An SR22 is one of the means in Illinois to monitor the insurance of problem drivers. Through this process, mandatory insurance is enforced in the most efficient way. Illinois citizens are protected from uninsured motorists through the Financial Responsibility Law.

SR22 is required in Illinois by individuals with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, mandatory insurance supervisions and individuals who receive three or more convictions for mandatory insurance violations.

In short, your Dad’s friend cannot refuse to file an SR22. This certificate of insurance is filed by the home office of an insurance company directly to the Secretary of State. This may be obtained by contacting an insurance company that is authorized to write SR-22 policies for Illinois.