IL DMV IL DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: What happens to your vehicle registration in Illinois if you allow your auto insurance to lapse?
- Nothing, registration remains valid
- You receive only a warning letter
- Your registration may be suspended (Correct answer)
- Your registration is immediately cancelled
Correct 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.
Question 2: Which of the following is NOT covered under Illinois minimum liability insurance?
- Bodily injury to others
- Property damage to others
- Your own medical expenses (Correct answer)
- Uninsured motorist protection
Correct 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.
Question 3: If you are injured in an accident caused by an uninsured driver in Illinois, which coverage protects you?
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage (Correct answer)
- Medical payments coverage
Correct 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.
Question 4: What three documents must you present to a police officer in Illinois during a traffic stop?
- Driver's license only
- Vehicle registration only
- Driver's license, registration, and proof of insurance (Correct answer)
- Vehicle title and registration
Correct 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.
Question 5: In Illinois, who is legally responsible for maintaining insurance on a registered vehicle?
- The registered owner of the vehicle (Correct answer)
- The primary driver of the vehicle
- The person who purchased the vehicle
- The oldest licensed driver in the household
Correct answer: The registered owner of the vehicle
The registered owner of the vehicle is legally responsible for maintaining proper minimum insurance coverage in Illinois.
Question 6: What does 'collision coverage' pay for in auto insurance?
- Damage caused by weather or theft
- Damage to your vehicle from a crash with another vehicle or object (Correct answer)
- Injuries to other drivers in an accident
- Coverage required by Illinois minimum law
Correct 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.
Question 7: What does 'comprehensive coverage' protect against in auto insurance?
- All types of accidents including collisions
- Coverage required by Illinois minimum law
- Non-collision damage such as theft, weather, or vandalism (Correct answer)
- Medical expenses after any accident
Correct 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.
IL DMV IL DMV Insurance and Financial Responsibility 2
What happens to your vehicle registration in Illinois if you allow your auto insurance to lapse?