car insurance verification
For anyone who is in Illinois, it is important that you know and understand the requirements for obtaining auto insurance in the state of Illinois. One requirement is that all drivers in Illinois must have a valid driver's license in order to obtain car insurance in the state of Illinois. In addition, all drivers must have liability coverage on their vehicle. These two requirements are mandatory and are not optional.
When you go to purchase car
insurance in IL, one requirement that you need to fulfill is that you must
provide the Illinois Department of Insurance with a copy of your driver's
license and the current insurance card or certificate of auto insurance. It is
also required that you provide your social security number. The Illinois
Secretary of Insurance has established the rules and procedures for
verification of these two things, but they are merely a starting point. If you
do not have these two items on hand and available to you, the Illinois
Secretary of Insurance will require that you provide the necessary
documentation.
The reason that the electronic
car insurance verification law was enacted is because of the fraudulent
activities of car insurance companies. Some car insurance companies will claim
that they will perform an automatic verification of your drivers license and
other information, but they will actually wait until you are driving and then
perform a check. If you are driving uninsured, this can mean the difference
between having car insurance and not having car insurance. This is why the
verification laws were implemented. You are now required to verify all
information that you provide to the Illinois Department of Insurance before you
are granted a certificate of insurance.
There are a couple of
different ways that these verification requests can be made. You can contact
each insurance company individually and request that verification be faxed to
the Department of Insurance. If you are using an agent or broker that works for
one particular company, they may have special programs that will allow them to
do this for free or at a discounted rate. You can also call them on the
telephone and speak to a representative who can help you with making this
request. This process is similar to calling an agent on the telephone and
asking for proof of vehicle registration.
One thing that you should be
aware of is that the Illinois secretary of insurance has been authorized by the
state to become involved in the registration and verification of auto liability
insurance policies. The secretary is also responsible for investigating any
complaints that are filed against a vehicle insurance company. If a complaint
is filed against a car insurance company in Illinois, the secretary can
investigate to see if the complaint is valid. If a valid complaint is filed
against a car insurance company in Illinois, the insurance department will
investigate to see if the complaint is valid. In most cases, the investigation
will reveal that the complaint is unfounded.
Auto liability coverage is
required by all states in order to legally drive a vehicle. Illinois is one of
the few states to have a "no-fault" car insurance policy. This means
that a driver will only be insured if they are not at fault in a traffic
accident. The no-fault state requires car insurance companies to verify that
the person listed on the policy is a resident of the at-fault state. It is
important for car insurance companies to verify this information because if the
driver listed on the policy is not a resident of the at-fault state, the policy
will be voided.
A car insurance company may
choose to use a driving without insurance verification system. This system
consists of a device that is installed in a car that sends out radio signals to
a centralized data center. The central database will allow the insurance
company to determine how many accidents took place in which area and how many
drivers were driving without insurance. This information is forwarded to the
local police department.
After receiving this
information, the police department shall forward it to the Secretary of State.
The Secretary shall then process the report. An insurance verification system
can be implemented in the state by the Illinois Motor Vehicle Theft Prevention
Council. The system has been found to decrease Illinois motor vehicle theft
rates by as much as 40 percent. It can also be used to determine whether the
person driving a vehicle was uninsured. All automobile insurance companies are
required to participate in the system.