Florida Insurance Verification System
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How Does Auto Insurance Verification System Work?
When you enter your information into ILIVS insurance verification, the Illinois Electronic Insurance Verification System (ILIVS) checks if your car insurance is active without needing to pull you over. The system checks insurance coverage randomly, twice a year. ILIVS will first use the National Motor Vehicle Insurance Database (NMVID) to determine if you are insured in Illinois. It will then look for insurance policies in the state, including policies from Illinois Drivers Insurance. All licensed insurance companies in Illinois are required to report to the ILIVS.
If your policy cannot be found in NMVID, ILIVS will then use the Illinois Automobile Insurance Identification Database (ILIAID) to identify policies that are applicable in the state. This includes auto insurance policies offered by Illinois Drivers Insurance. If the system cannot confirm your coverage, you will receive a letter from the Secretary of State giving you the opportunity to prove you have insurance, and you must provide proof of liability insurance within 30 days. If you fail to verify your insurance after the second attempt, you will receive a registration suspension letter. The letter from the Secretary of State will include a unique reference number, which should be used when submitting documents. If the letter is not available, the Vehicle Identification Number (VIN) can be used for verification. For stored or sold vehicles, owners must log into the ILIVS website to submit an electronic affidavit.
If an applicable policy is located, ILIVS will contact you and let you know that you are insured in the state. Once you are insured in the state, ILIVS will check to make sure that your policy meets the requirements to remain valid in the state. This includes verifying information such as your driving record, vehicle type, and more. Drivers in Illinois must have at least the minimum liability insurance coverage as required by state law. If you use your vehicle for business purposes, you may need a commercial auto insurance policy. SR-22 insurance is required for certain violations.
Law enforcement has real-time access to the ILIVS database to verify insurance status during traffic stops. The system provides a 30-day grace period and a follow-up notice before suspending registration. If you receive a letter regarding insurance verification, you should contact your insurance provider or agent immediately, rather than visiting a Driver Services facility. Our skilled agents can help you complete the verification process, provide info, and assist with any request for proof of insurance or documentation needed to resolve issues. The ILIVS was designed to reduce the number of uninsured motorists in Illinois.
Vehicle Types to Be Reported to ILIVS
Reporting your vehicles to the ILIVS insurance verification system is important because the state of Illinois requires drivers to have liability insurance coverage on any vehicle registered and operated in the state, and maintaining valid registration is essential for compliance. This process is part of the law and allows insureds, law enforcement, and other officials to verify whether your vehicle is registered and in compliance with the law. It also helps keep Illinois residents safe by allowing law enforcement to quickly and accurately identify vehicles on the road. If you own any of the following vehicles, it’s important that you report them to ILIVS, using the VIN (Vehicle Identification Number) to identify each vehicle during the registration and insurance verification process:
- Passenger vehicles
- Motorcycles
- Autocycles
- Recreational vehicles
- Motor vehicles registered for highway usage and required to conform with Illinois Public Act 100-0373
This is easy to do, and all you have to do is get in touch with our friendly customer service representatives who will guide you about the process. Please note, you do not need to visit government offices or DMV facilities for insurance verification issues—handle the process remotely or by contacting our agency for convenience.
At Illinois Drivers Insurance, we understand the importance of keeping your vehicles reported and legal, and we are proud to help you with this important task. We also want to emphasize the importance of being a responsible driver and taking safety measures to reduce the number of accidents in Illinois. Do your part and report your vehicles at Illinois Drivers Insurance for ILIVS today!
Uncover the Risks if You Fail to Get Insurance for ILIVS
From protecting your vehicle to preserving your rights in the event of an accident, auto insurance is essential for drivers in Illinois. If you are involved in an accident or stopped by authorities without insurance, you can face severe legal and financial consequences. Illinois Drivers Insurance helps customers avoid these risks by offering affordable options that fit your budget. Request a free quote today to find coverage that meets your needs and budget.
License Suspension
Perhaps the most severe consequence of lacking the proper auto insurance coverage is having your license suspended. In Illinois, failing to maintain mandatory liability insurance can result in a registration suspension letter being sent to the vehicle owner. If you are unable to provide proof of insurance, you may receive an ‘action required’ notice or letter from the Secretary of State, and face suspension. The length of the suspension will vary depending on the individual’s driving history and the reason the policy was not maintained.
Fines
In addition to license suspension, drivers who fail to obtain the proper auto insurance coverage can be subject to fines. Driving without insurance in Illinois can result in a minimum fine of $500 for the first offense. If a driver is caught driving with a suspended registration due to a previous insurance violation, they may face a minimum fine of $1,000. The fine varies, but the range is between $500 and $2,500 per violation. Repeat offenders face higher fines, extended suspensions, and increased penalties. If a court finds the driver at fault in an accident, that fine could increase.
Pay Reinstatement Fee
The final consequence of failing to have auto insurance is the requirement to pay a reinstatement fee. These fees are paid after the suspension is lifted and it costs around $100.
