Nearest Office:

ILIVS - Electronic Car Insurance Verification in Illinois

A really big file cabinet, bigger than a state, would be required for the Secretary of State to be updated on every driver’s insurance. That’s why the Illinois Insurance Verification System or ILIVS was developed and made legally necessary in 2019. With state legislation this year, ILIVS will now be fully integrated and automated when it comes to keeping the number of uninsured drivers low.

Beginning July 1, the ILIVS will be automatically sending out insurance verifications twice at any time during the year via email. If you have a form of auto insurance that satisfies Illinois’ minimum required liability, then you won’t even have to lift a finger as it will be automatically confirmed with your car insurance providers. However, if you are found to be driving uninsured, there are some penalties that can ultimately result in a license or driving privilege suspension. So, the ILIVS isn’t just reducing the number of uninsured drivers. It also eliminates all the tedium drivers have to go through at the DMV to prove their auto coverage. Here’s what you need to know to be ready for ILIVS.

What is The Minimum Required Liability Auto Insurance in Illinois?

Every state has set its own mandatory amount of liability coverage for its drivers. New Hampshire is the one exception. If you’re unfamiliar with what liability coverage is, it’s the insurance that pays for another driver’s injury or vehicle damage in an accident that you caused. The specific amounts for Illinois are $25,000 per personal injury or death, $50,0000 per multiple injury or death, and $20,000 per property damage. Altogether, this is what’s referred to as basic coverage.

There are add-on policies like comprehensive and collision insurance to cover your own property and injuries. However, ILIVS will not check for full coverage or any of the addons, as they are not required by law.

How Does ILIVS Work?

Understanding how the ILIVS online interface functions are incredibly easy because you, as an insured driver, won’t have to interact with it much. The verification process is largely automated between your insurance company and the DMV. In fact, insurance companies are now legally required to use ILIVS. Police and law enforcement also have access to ILIVS, considering that it’s one large database of every registered vehicle in the state.

The system will automatically confirm your insurance by sending out verifications twice a year. These notices can come at any point during those 12 months. Since your car insurance providers will be using ILIVS, they’ll be able to confirm your policy on your behalf. The system knows your vehicle by matching it with its VIN number, which every registered vehicle in the state has. Insurance companies also must notify ILIVS if any changes or cancellations are made to a policy holder’s auto insurance plan.

Remember to always prevent your auto policy from canceling to avoid added fines and suspension. ILIVS works simply, considering that you won’t have to lift a finger thanks to the automated process with the insurance company.

What Happens if You’re Unable to Provide Insurance to ILIVS?

Once the law and regulation practice of ILIVS comes into effect on July 1, the penalties for driving uninsured will be much more swift. Police and courts have access to ILIVS, but they hardly get involved in uninsured driver cases. The DMV opts to solve them itself. Here’s what drivers who are unable to prove insurance may face:

  • License suspension - Loss of legal driving privileges is the primary penalty for driving uninsured –considering that’s what driving uninsured equates to. Your car’s license plate will also be suspended to keep the uninsured vehicle off the road.
  • Reinstatement fee - The police don’t seize your driver’s license or anything of that nature. Having a suspended license reinstated requires the cooperation of both the insurance company and the DMV. There’s always a $100 reinstatement fee.
  • Fines and convictions - Along with the license suspension, an uninsured driver will also have to contend with a fine of at least $500. So, cheapest case of license reinstatement –it’s a total minimum cost of $600.
  • Additional fines - The fine minimum increases to $1,000 for those caught driving with a suspended plate, license, or another prior violation.

What Do You Do If You Receive an Uninsured Notice?

If an ILIVS verification is invalid on account of lack of insurance, then you’ll receive a notification to provide proof of insurance within a time frame until the Secretary of State suspends your license.

During this time, there’s a number of things you can do, including shopping for car insurance if you weren’t in contact with an insurer, to begin with. Shop around from national to local brokers. The best car insurance that fits your budget may be the agency in your own backyard. Insurance Navy is one such insurance broker, offering low-cost auto insurance to those seeking the state’s minimum liability coverage.

The notification letter you received from ILIVS has a specific reference number that you will need to present to the insurance agent. This is so that they can use the ILIVS system themselves when you become a policyholder. Purchasing auto insurance before the Secretary of State suspends your license is a sure way to not pay that $100 reinstatement fee. Or, for that matter, you’ll avoid a suspension altogether. You don’t have to, nor should you, visit the DMV afterward. The insurance company will contact them directly and provide proof of your new auto coverage.

Why Are These Changes to ILIVS Necessary?

The process of checking every driver in Illinois for the minimum required liability insurance has been streamlined and made automatic with ILIVS. Over the last couple of years, there has been an outstanding amount of complaints from drivers that they had been in accidents with uninsured motorists. Thus, personal and vehicle damages go unpaid. As Illinois Secretary of State Jesse White said, “If you don’t have auto insurance, get covered now, it’s the law.”