Auto Liability Only Insurance in Illinois

Reader’s Question:

I plan to get auto insurance as soon as possible and I am kinda looking around. Is it okay to just get liability coverage for my auto insurance here in Orland Park, Illinois?

Patricia

Orland Park, IL

Auto insurance liability coverage is a kind of insurance which is commonly called the third party insurance. It would be okay to just get the liability coverage for your auto insurance in Orland Park, Illinois. The liability coverage would insure you and your automobile for the minimum cost of coverage that is allowed under the law. This is a basic kind of vehicle insurance that will give coverage for the smallest types of claims. For instance, if you get into an accident and you are at fault, then you would not be paid out for that claim. Only other people involved would be paid by your auto insurance provider.

The exact coverage on your auto insurance would be set out when you sign the insurance policy. These numbers would be the maximum that the auto insurance provider would be ready to pay if you get into an accident. You need to be sure on the exact cost of your insurance coverage. If you think that it is not enough, you need to raise it.

DUI Alcohol Treatment Facility in Illinois

Reader’s Question:

My sister got a charge for DUI here in Orland Park, Illinois and she is under an alcohol evaluation now. It is said that this evaluation would determine the treatment level she would be classified as. I heard something like minimal and moderate risk, what does this mean?

Ryan
Orland Park, IL

Because of your sister’s DUI arrest in Illinois, she must have an alcohol evaluation in order to be eligible to apply for a restricted driving permit (RDP). She must also complete the treatment recommended at an agency licensed by the Illinois Office of Alcohol and Substance Abuse (OASA). The things that you have mentioned such as minimal and moderate risk are two of the classifications of the treatment levels.

Minimal risk or Level 1 should complete an Alcohol or Drug Risk Education course that is usually for 10 hours. This level could only be recommended for DUI offenders who, at minimum, have no prior DUI license suspensions or dispositions, those who have submitted to blood alcohol test with blood alcohol content (BAC) level of less than 0.15 and those who were not diagnosed with any other recognized symptoms of substance abuse or dependence.

Moderate risk or Level 2M should also complete an Alcohol or Drug Risk Education course usually for 10 hours and an Early Intervention Counseling Program which is a minimum of 12 hours. This level could be recommended for DUI offenders who, at minimum, have no prior DUI license suspensions or dispositions, submitted to blood alcohol test with BAC of 0.15 to 0.19 and were not diagnosed with any other recognized symptoms of substance abuse or dependence.