IL DMV Insurance and Financial Responsibility Flashcards
7 cards from real IL DMV practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 IL DMV Insurance and Financial Responsibility flashcards as text
In Illinois, within how many days must a written crash report be filed with the state when an accident involves injury or significant property damage?
Answer: 10 days
Illinois law requires a written accident report to be filed within 10 days when a crash involves injury, death, or property damage exceeding $1,500.
What is the minimum property damage amount in Illinois that triggers a mandatory written accident report?
Answer: $1,500
In Illinois, property damage exceeding $1,500 in a crash requires a written accident report to be submitted to the Illinois Department of Transportation.
What does 'liability insurance' cover in an auto policy?
Answer: Bodily injury and property damage you cause to others
Liability insurance covers bodily injury and property damage that you are legally responsible for causing to other people in an accident.
What is a 'deductible' in an auto insurance policy?
Answer: The amount you pay out-of-pocket before insurance covers the rest
A deductible is the amount you must pay out-of-pocket before your insurance begins covering the remaining claim costs.
If you are struck by an uninsured driver and suffer injuries in Illinois, which coverage pays your medical bills?
Answer: Uninsured motorist bodily injury coverage
Uninsured motorist bodily injury coverage specifically pays for your medical expenses when an at-fault driver has no insurance.
What penalties can result from driving with a suspended vehicle registration due to lack of insurance in Illinois?
Answer: Fines and possible vehicle impoundment
Driving with a suspended registration for lack of insurance in Illinois can result in significant fines and vehicle impoundment, among other penalties.
How does the Illinois Secretary of State verify that drivers maintain continuous auto insurance?
Answer: An electronic insurance verification system
Illinois uses an electronic insurance verification system that allows the Secretary of State to confirm whether registered vehicles are properly insured without requiring in-person proof.