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.