Teen Driver Car Insurance in Illinois

Reader’s Question:

My husband and I are going through divorce and we have a teenage son. We don’t know yet as to who will have his custody. He already has his license and uses my car all the time. What happens if I don’t list him in my car insurance policy in Illinois?

Nina

Schaumburg, IL

If you do not list your teenage son in your car insurance policy Schaumburg, Illinois, you have to be prepared for the potential consequences. Your car insurance policy can be cancelled, non-renewed or you may have surcharges because of that. Some car insurance providers would drop your insurance policy for misrepresentation if do not list your son at the time of the application process or when he gets his driver’s license. Since your teenage son has access to your vehicle, you may be required to list him on your car insurance policy.

If your state lets insurance companies to void policies for misrepresentation, not listing your teenage son on your insurance policy could be a huge mistake. If he gets into an accident and you file a claim, your insurance provider can void your insurance policy since you failed to let them know about your teenage son. If you are not sure if your teenage son is properly covered, get in touch with your insurance agent or your car insurance company.

What Are The Possible DUI Penalties in Illinois

Reader’s Question:

A friend of mine was arrested for DUI in Skokie, Illinois for the first time and from what I know, they have a strong case against him. Could you please educate me on what he could be facing because of his DUI charge, what are the penalties involved?

Aldrin

Skokie, IL

After your friend was arrested for DUI in Skokie, Illinois, he would be facing two different cases; one is an administrative driver’s license suspension that starts automatically, unless appealed and the other one is on the court system. He would need to request for a DMV hearing which should be done quickly after the DUI arrest so that he can be able to appeal against the suspension of his driver’s license. He would also have to make sure that he hires a qualified DUI lawyer to help him with his appeal to ensure that it is received in time and that all of the necessary paperworks are filled in correctly.

If he tries to do all of these by himself, he is risking making a serious mistake and losing his without the chance for appeal. Aside from that, if convicted for DUI, he would have penalties that are truly unacceptable. Since this is his first DUI offense, it would be considered as Class A misdemeanor charge. If he gets convicted, he can expect to have consequences such as fines of up to $2,500, jail time of up to 364 days, potential Victim Impact Program requirement, alcohol evaluation with potential counselling, potential community service and any other consequence deemed necessary by the judge.