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.

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.