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 Teen Driver Drunk Driving Penalties

Reader’s Question:

I’m very much furious but at the same time very much concerned because my teenage son was arrested for DUI for the first time in Oak Park, Illinois. I wonder if the penalties for teenage drunk driving are the same for those over 21 years of age convicted of DUI. What are the penalties for teenage DUI in Illinois?

Dahlia

Oak Park, IL

It’s very alarming that more and more teenagers are consuming alcohol, more so being involved in drunk driving. Teenagers are more likely the swaggering type for their “I can handle it” syndrome. They think that they can handle their alcohol consumption and say that they haven’t had enough to seriously impair them. Perhaps we could blame it on the greatest influence on teenagers and their drinking and driving which is peer pressure. Peer pressure is a very powerful force that’s why teens feel that it is very important for them to know that they’re “in.” It’s also a saddening fact that the average college student actually spends more money for alcohol than for books.

Motor vehicle accidents are the leading cause of death for teens that’s why even the legal consequences of underage drinking and driving are getting tougher. Since your teenage son was arrested for his first DUI in Oak Park, Illinois, don’t be surprised that Illinois DUI laws would be hard on him if he will be convicted. For first underage DUI conviction, penalties include loss of full driving privileges for a minimum of two years. He could also be imprisoned for up to one year and could pay maximum $2,500 in fines.

Illinois DUI Lawyer For Teen Driver

Reader’s Question:

My 17-year old son was arrested a little over a week ago and was charged with DUI here in Illinois. What is the underage drunk driving law here in Illinois? Will my son go to jail? Should I hire a DUI lawyer to fight the charge?

Jerome

Rockford, IL

Drinking and driving is a high risk proposition for someone under the age of 21. Even if the blood alcohol content (BAC) is under the legal limit of .08 percent that only applies to drivers over the age of 21.

In the state of Illinois, your son might be facing a harsh sentence. If he will be convicted with DUI, he will face consequences for his actions.

His driver’s license will be revoked for a minimum of two years but he may be issued a restricted license after one year. He may be fined up to $2500 and will serve a jail sentence of up to one year. He may also be directed to join a Youthful Intoxicated Driver’s Visitation Program.

The sentence may seem unpleasant for someone who is under 21 but the law aims the threat of losing the freedom to drive for two years would convince people under 21 to not drink and drive.

Teen Driver Car Insurance With DUI in Illinois

Reader’s Question:

My 20-year old teenager son just received a DUI in Illinois for the first time. How will this affect my insurance rate and his since his insurance is also under my policy with him as driver?

Pam

Chicago, IL

Too bad for you, but DUI is a serious offense in Illinois and is classified as a violent crime. Unfortunately, this offense will permanently remain on his driving record. He may lose his driving privileges and can either be imprisoned or fined.

This offense is also taken very seriously by any insurance company since the driver becomes a risk to them compared to a person with a clean driving record. This would likely increase his rate which can affect the whole policy, including your premium rates.

A DUI can subject yours to high-risk auto insurance rates for three years according to the Illinois Secretary of State. The IL SOS DUI Fact Book states that high risk insurance for a driver convicted of DUI averages an additional $1500 per year!

However, since insurance companies rating systems are not the same, it is better that you find out more from your insurance agent as to how much the increase will be and for how long.