Illinois is one of the many states that have strict laws when it comes to driving with a permit. If you’re a parent of a teenager or an individual who has recently obtained their permit, you may be wondering about your insurance coverage.
Are permit drivers covered by insurance in Illinois? The answer isn’t as simple as you might think! In this blog post, we’ll explore the ins and outs of auto insurance for permit drivers in Illinois and help you understand what kind of coverage you need to stay protected on the road. So buckle up and let’s dive right into it!
What is a permit driver?
A permit driver is a person who has been issued a permit by the Secretary of State to operate a motor vehicle on the roadways. Permit drivers must be at least 16 years old and must have held their permit for a minimum of 30 days before they can apply for a driver’s license.
Are permit drivers covered by insurance in Illinois?
Permit drivers are not automatically covered by insurance in Illinois. However, if the permit driver is a named insured on an automobile insurance policy, he or she may be covered under that policy. The coverage would depend on the specific circumstances and details of the policy.
What if I am a permit driver and get into an accident?
If you are a permit driver and get into an accident, your insurance coverage will be determined by the rules of your state. In Illinois, if you have a valid driver’s license and are driving a vehicle that is insured, you will be covered by the insurance policy. However, if you are driving a vehicle that is not insured, you will not be covered by the insurance policy.
How much does insurance coverage for permit drivers cost in Illinois?
If you’re a permit driver in Illinois, you may be wondering if you’re covered by insurance. The answer is yes, but there are some restrictions.
Here’s what you need to know about insurance coverage for permit drivers in Illinois:
– All drivers must have liability insurance, regardless of age or experience level. This means that if you cause an accident, your insurance will pay for the other driver’s damages up to your policy’s limits.
– Permit drivers are only allowed to drive with a licensed adult over the age of 21 who has at least one year of driving experience. This restriction means that your insurance coverage will be secondary to the licensed adult’s coverage.
– You may be required to have additional insurance coverage if you’re driving a car with a loan or lease. Check with your lender or leasing company to see if this is the case.
The cost of insurance coverage for permit drivers in Illinois will vary depending on your insurer and your personal situation. However, you can expect to pay more than someone with a full license because you’re considered a higher risk driver.
Conclusion
After reviewing this article, you should have a better understanding of the rules and regulations surrounding permit drivers in Illinois. It is important to remember that any driver with a permit must be accompanied by an adult at all times and must adhere to the state’s laws regarding insurance coverage.
As long as these requirements are met, there is no reason why individuals cannot enjoy their time behind the wheel in Illinois without having to worry about being uninsured or underinsured.
