Car Insurance For New Driver In Illinois

Reader’s Question:

As a new driver here in Illinois, how would I determine the amount of car insurance that I need?

Savion

Cicero, IL

When you are shopping for car insurance for new driver in Illinois, there are a lot of coverage plans that are available for you. Most of them are required by the state and some are just additional types of coverage. Some would also tell you that you have to increase your deductible so that you can save some money. Some may advise you to lessen your liability coverage, but this could be risky. To determine the amount of car insurance for new driver, you have to know what options are available for you.

In Illinois, it is required that you get liability coverage that includes bodily injury liability and property damage liability. Bodily injury liability would pay for the medical expenses of the other driver and his/her passengers if you cause an accident. Property damage liability would cover the expenses to repair the other driver’s car if you cause an accident. This would also cover expenses for any damages that may incur to other properties such as mailbox, fence, etc.

You also have to take note that in Illinois, you are required to have uninsured/underinsured motorist coverage that will cover in case you get hit by a driver that is not insured or does not have enough insurance. Also, as a new driver, if you have a new car as well, it is highly recommended that you get collision and comprehensive coverage. Collision would pay for the damages to your car if you get hit by another car and comprehensive would pay for the damages caused by natural things such as storm and fire.

Illinois DUI Case Going to Trial – How Long Will It Take?

Reader’s Question:

I just wonder how long it will take if I fight my DUI case here in Illinois. I am thinking that I just work out a deal rather than going to trial to get this over and done with. Is it true that a DUI trial could take months?

Zaire

Berwyn, IL

Yes, if you take your DUI case in Berwyn, Illinois to trial in front of either a judge or a jury, it would take you some number of months. There could be two or three court dates before a trial, which would probably be six months out. It could take a total of six months to a year for the case to be resolved for a jury trial. There is a possibility to skip preliminary motions and schedule a bench trial immediately in some circumstances. This would usually limit your DUI defense options so it does have disadvantages but it could give you a chance to resolve the case in two months or less.

If you work out a deal rather than going to trial, it would be very likely that you can have the minimum penalty available under the law. Your DUI case would be continued without a finding for one year. The judge would suspend your license for 45 days (consecutive with the six-month breath test refusal or 90-day failure suspension), and you would pay a number of fees and fines. The conditions of your probation would be that you attend and complete the alcohol education program.

Springfield Illinois DUI Attorney – Do You Need One?

At other times, when you are faced with the possibility of needing to hire a Springfield DUI attorney, the options may not be entirely clear. Still, in many cases it is best if you take the safest route and go ahead and hire a lawyer. When you have a doubt, better go out and get representation.

Reasons why you’re probably going to need a DUI attorney.

• while the consequences for a second DUI arrest are not quite as heavy as those for a third or a fourth or a fifth, they’re still a long stretch away from whatever consequences you suffered with your first one. If you’re on number two, you most likely need to call up a lawyer.
• if you had a baby in the backseat. When you have someone under 18 driving with you when you’re drunk, then you’re in trouble for endangerment of a minor on top of DUI, and so you’re likely going to need some more help.
• drunk is drunk, but sometimes the drunker you are, the heavier your sentence. If, when you were arrested, your BAC was two times the legal limit, you’re in even deeper waters.