IL DMV Insurance and Financial Responsibility Flashcards

What happens to your vehicle registration in Illinois if you allow your auto insurance to lapse?

Answer: Your registration may be suspended

Illinois can suspend your vehicle registration if you fail to maintain the required minimum insurance coverage on the vehicle.

Which of the following is NOT covered under Illinois minimum liability insurance?

Answer: Your own medical expenses

Minimum liability insurance covers others' bodily injury, property damage, and uninsured motorist protection, but does not cover your own medical expenses.

If you are injured in an accident caused by an uninsured driver in Illinois, which coverage protects you?

Answer: Uninsured motorist coverage

Uninsured motorist coverage pays for your injuries when the at-fault driver carries no insurance, and is required under Illinois law.

What three documents must you present to a police officer in Illinois during a traffic stop?

Answer: Driver's license, registration, and proof of insurance

Illinois law requires drivers to present their driver's license, vehicle registration, and proof of insurance when requested by law enforcement.

In Illinois, who is legally responsible for maintaining insurance on a registered vehicle?

Answer: The registered owner of the vehicle

The registered owner of the vehicle is legally responsible for maintaining proper minimum insurance coverage in Illinois.

What does 'collision coverage' pay for in auto insurance?

Answer: Damage to your vehicle from a crash with another vehicle or object

Collision coverage pays for damage to your own vehicle resulting from a collision with another vehicle or stationary object.

What does 'comprehensive coverage' protect against in auto insurance?

Answer: Non-collision damage such as theft, weather, or vandalism

Comprehensive coverage protects your vehicle against non-collision damage including theft, vandalism, fire, hail, flooding, and animal strikes.