What is the ILIVS Illinois Insurance Verification System?
The ILIVS Illinois Insurance Verification System is an electronic liability insurance verification program introduced in 2020 to ensure that all vehicles registered in Illinois comply with the Mandatory Insurance Law (625 ILCS 5/7-601).
It was mandated in 2019 and is designed to reduce the number of uninsured motorists in the state. ILIVS electronically connects with all insurance companies that offer vehicle liability policies in Illinois. ILIVS went live on July 1, 2021, and makes it easier for insured drivers to stay compliant and identify uninsured vehicles more efficiently.
How Does ILIVS Work?
ILIVS verifies the insurance status of every registered vehicle twice a year. It’s an electronic process that’s connected to all insurance providers in the state.
If a vehicle has valid insurance, no action is required from the registered owner, as the system verifies coverage directly with the insurer.
If the initial verification attempt fails to find insurance coverage, it is checked again in 30 days. After that, if a vehicle is flagged as uninsured, the Secretary of State’s office will send a notification letter requesting proof of insurance.
Failure to provide valid proof can result in penalties, including driver’s license suspension. ILIVS enhances enforcement and eliminates the need to visit a Driver Services Facility to prove insurance coverage manually.
What Should I Do If I Get an Insurance Verification Letter from the Secretary of State?
If you get a registration suspension letter from the Secretary of State with the subject “ACTION REQUIRED: REQUEST FOR INSURANCE VERIFICATION,” do not visit the DMV. Call 888-949-6289 instead.
- If you were insured on the requested date verification, call 888-949-6289, and we’ll take care of the verification process instantly.
- If you were uninsured on the requested verification date, call us for a free quote 888-949-6289 and provide the reference number from your state notice. Lost your letter or ILIVS reference number? No problem! We can retrieve your information using your Vehicle Identification Number (VIN).
How Insurance Navy Can Help You with Electronic Liability Insurance Verification
Insurance Navy helps provide quality, low-cost auto insurance options for all drivers regardless of potential blemishes on their driving histories. Did ILIVS find you were uninsured during verification? Here’s how we can help:
- Our insurance agents will give you a free auto insurance quote at the best rates.
- Verify your insurance coverage electronically with the state and avoid fines or suspension.
- Get insurance cards & proof of insurance coverage verification emailed to you instantly.
Whether you need verification or new coverage, we can make it quick and easy!
Penalties for Non-Compliance with Illinois' Mandatory Insurance Law (625 ILCS 5/7-601)
As of July 1, 2021, vehicle owners who fail to maintain valid auto insurance will face harsh penalties, including license plate suspension and fines.
ILIVS Fines & Penalties for First-Time Offenders:
- License plate suspension until proof of insurance is provided.
- $100 license reinstatement fee to restore registration.
- $500 minimum fine for driving without insurance.
Penalties for Repeat Offenders and Second Suspensions Under ILIVS
If you violate Illinois' Mandatory Insurance Law a 2nd time, the penalties worsen. A second suspension notice means more burdensome consequences, so you must address insurance coverage gaps immediately.
1. Repeat Offender Consequences
- If your license plate is suspended for 4 months, your vehicle is unregistered and cannot be driven on public roads.
- $100 reinstatement fee to get your registration back after the suspension period.
- A minimum $1,000 fine for driving a vehicle while the plates are suspended due to a previous insurance violation.
2. Additional Consequences:
If you get stopped for a traffic violation or get into an accident while uninsured, you may face:
- $500 minimum fine for driving without insurance.
- $1,000 minimum fine for driving with plates suspended from a prior insurance violation.
The longer you’re uninsured, the more severe the consequences. For multiple violations, more extended suspension periods, higher reinstatement fees, and more legal penalties may apply. Ignoring Illinois' insurance laws can lead to more legal action and significant fines or other consequences.
To avoid these penalties, ensure your vehicle is insured, and your coverage is electronically verified through ILIVS.
Contact Insurance Navy today for a free quote for Cheap Car Insurance in Chicago within minutes. Call 1-888-949-6289, email customerservice@insurancenavy.com, or get free car insurance quotes online.
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ILIVS Frequently Asked Questions
What is ILIVS?
ILIVS (Illinois Liability Insurance Verification System) is an electronic system the Illinois Secretary of State uses to check if vehicles registered in Illinois have an active insurance policy. It sends an electronic request to insurance companies to verify that a car has automobile insurance coverage.
Why was ILIVS created?
ILIVS was created to enforce Illinois' insurance laws and reduce the number of uninsured drivers on the road. Ensuring all registered vehicles have insurance helps keep everyone safe and prevents financial burdens from uninsured drivers.
Who must use ILIVS?
All vehicle owners in Illinois must have at least the minimum required liability insurance and abide by the ILIVS verification process. It applies to all registered vehicles, so every driver has the coverage needed as per state law.
How does ILIVS verify insurance coverage?
ILIVS submits an initial verification attempt by sending an electronic request to insurance providers to determine whether a vehicle has an active liability insurance policy. You do not need to provide proof of insurance unless your insurance can’t be verified through the system.
What is the minimum insurance requirement in Illinois?
Illinois State law requires all drivers to have liability insurance with minimum coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. These requirements ensure enough financial protection for all parties involved in an accident.
Do I need to do anything to get verified?
No, if your insurance is active and continuous, ILIVS will verify your coverage without you having to do anything. The system will check with insurance providers electronically to see if your policy is active.
How often does ILIVS check insurance status?
ILIVS conducts random electronic insurance verification checks at least twice a year. This ensures that all registered vehicles remain insured and that there is no gap in coverage.
What if ILIVS can’t verify my insurance?
If ILIVS can’t verify your insurance, you’ll receive a verification request letter from the Illinois Secretary of State. This letter will ask you to provide proof of valid insurance to comply with state law.
How do I respond to an insurance verification request?
If you receive a verification request, contact your insurance provider to ensure that your policy information is updated and reported to ILIVS. You may also need to submit proof of insurance to the Secretary of State’s office.
Can I submit proof of insurance manually?
In most cases, your insurance company will electronically verify your coverage with ILIVS. However, if requested, you can submit proof of insurance to the Illinois Secretary of State (led by Jesse White) at https://ilivs.com/index_ilivs.aspx to clear any discrepancies.
What happens if I don’t provide proof of valid insurance?
Suppose you don’t provide proof of valid insurance when requested. In that case, you may face penalties, including fines, suspension of your vehicle license plates, and possible suspension of your vehicle registration. Compliance is necessary to avoid legal and financial penalties.
What are the penalties for non-compliance?
The penalties for not having valid insurance are $100 for the first offense and up to $1,000 for repeat violations. Non-compliance may also result in suspension of your vehicle registration until proof of insurance is provided.
How do I reinstate my registration after a suspension?
To reinstate your vehicle registration after a suspension due to lack of insurance, you must provide proof of active coverage and pay a $100 reinstatement fee to the Illinois Secretary of State. Once you meet these requirements, your registration will be restored.
Can I drive if my registration is suspended due to ILIVS non-compliance?
No, driving with a suspended registration due to ILIVS non-compliance is illegal. You may face additional fines, legal penalties, and further suspension of your driving privileges if caught.
What if I have insurance, but ILIVS says my vehicle is uninsured?
If ILIVS says your vehicle is uninsured despite having valid insurance, contact your insurance provider to verify that your policy information was reported correctly to the system. If your provider updates your information, that should clear up any discrepancies.
Are antique or non-operational vehicles subject to ILIVS verification?
Vehicles with valid antique plates are generally exempt from ILIVS verification. Non-operational vehicles registered with the Illinois Secretary of State must still have insurance.
What if I change insurance providers?
When you change insurance providers, your new insurance company should report your updated coverage to ILIVS. But double-check that your new policy information was submitted to avoid verification issues.
What if I no longer own the vehicle?
Suppose you sell, trade, or otherwise dispose of the vehicle. In that case, you must update the Illinois Secretary of State’s records to avoid verification requests or penalties.
