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Illinois Insurance Defense Questions & Answers
1 Answer | Asked in Traffic Tickets and Insurance Defense for Illinois on
Q: i got pulled over today and the officer took my license and said that he would bring my license to my house.

I am just wondering if i got a ticket or not. he didnt say and told me to drive away without my license. did i get a ticket?

Brandon K. Davis
Brandon K. Davis answered on Sep 17, 2019

When an officer issues a ticket he or she will provide with a physical ticket advising you of the offense, etc. It does not sound like you were given a ticket. I’m guessing it has to do with your age? Maybe the officer wants to bring your license to your home to speak with your parents. It may be... Read more »

1 Answer | Asked in Criminal Law, Traffic Tickets and Insurance Defense for Illinois on
Q: Got a ticket for not having insurance, court date May 15. I junked my car and don’t have insurance on it anymore.

What do I say or do? To not get fined for that ticket

Juan Ooink
Juan Ooink answered on May 9, 2018

If you had insurance on the date and time you were ticketed, you need to appear in court and show that proof of insurance. If you did not have insurance on the date and time you were ticketed, you need to show proof that the car was junked and that you have insurance now on another vehicle. If this... Read more »

2 Answers | Asked in Traffic Tickets and Insurance Defense for Illinois on
Q: Received 3 tickets as a minor, got license suspended for 1 year. I am now a adult. Do those tickets erase from record?

Wanting to know if applying for insurance whether they can access my tickets as a minor or they are erased.

Theodore J. Harvatin
Theodore J. Harvatin answered on Jan 10, 2018

That will depend upon your driving record down the road. But they do not automatically disappear just because you turn 21.

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2 Answers | Asked in Insurance Defense and Traffic Tickets for Illinois on
Q: am 19 about to turn 20 in January10 and I have court on the 24 and one ticket is for going 73on45 and 2nd no insure op

And I don’t know what todo it’s my first time going to court and the car I was driving wasn’t mine it was my sisters car , but I told the officer that I was going fast cause I had low fuel on the car and I don’t know what to do

Juan Ooink
Juan Ooink answered on Dec 30, 2017

You are charged with a Class B Misdemeanor, so you need to hire an attorney to assist you. Class B Misdemeanors are punishable by up to 6 months in jail. You need to hire an attorney now.

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1 Answer | Asked in Insurance Defense and Traffic Tickets for Illinois on
Q: I got a ticket for not having a proof of insurance in my car in Chicago. I had one but just forgot to bring it.

Can I eliminate the fine and remove the record? Do I need to wait for the three months until the court date?

Brandon K. Davis
Brandon K. Davis answered on Dec 25, 2017

The ticket will be dismissed if you provide proof of insurance on your court date covering the vehicle at the time you were stopped. You will not owe fines or court costs.

1 Answer | Asked in Criminal Law, Insurance Defense and Traffic Tickets for Illinois on
Q: Speeding 15 over and had expire insurance. What do I do.

I share an insurance plan with my mom and I guess since I don't pay it I kind of just forgot when it expires and kind of figured my mom would renew and give me a new card, but that didnt happen. The officer said if I provide proof of insurance at the court date the fee will be waived. I've never... Read more »

Theodore J. Harvatin
Theodore J. Harvatin answered on Oct 30, 2017

Go to court at the designated date and time. When your case is called, come forward and have your proof of insurance available. Hear the offer they make and hope it's court supervision on both tickets.

if not on both then on the no insurance for sure. if you do not get supervision on that...
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2 Answers | Asked in Insurance Defense and Traffic Tickets for Illinois on
Q: My driving record shows "supervision" for a ticket. Can my car insurance raise my premium?

I contacted my insurance and all they see is a ticket on my record. It does not tell them it is "supervision". They told me to send them my DMV driving record. My question is: does supervision = the insurance can legally increase my premium?

Theodore J. Harvatin
Theodore J. Harvatin answered on Oct 17, 2017

The insurance company will not see supervision on the general abstract. That only shows up on court purposes abstract.

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1 Answer | Asked in Civil Litigation, Insurance Defense and Personal Injury for Illinois on
Q: Would I win a small claims for damage expenses to my veichle from other driver that my insurance found me At Fault with.

I have visited a local auto detailer and they told me based on damage it was the other driver at fault. At time of claim havent had the opportunity to share photos or this info I now have but will share with adjuster even though it may matter.

Peter N. Munsing
Peter N. Munsing answered on Jun 22, 2017

Certainly if your rates get raised you can bring out this issue again. If you were hurt, contact a member of the Ill Trial Lawyers Assn--they give free consults. If not, you can try small claims.

1 Answer | Asked in Insurance Defense, Traffic Tickets and Appeals / Appellate Law for Illinois on
Q: I received a no insurance ticket and I had insurance when is court date set?

The ticketing officer said no court was required and the ticket I received didn't have a court date it happened on 12-16-11 and a collection agency is wanting money from me when I had insurance the paper they sent me when I disputed the collection claim showing my ticket but the tick I received and... Read more »

Brandon K. Davis
Brandon K. Davis answered on Apr 9, 2017

Because you were insured at the time, you should obtain proof of insurance from the date of the ticket by calling your insurance company. A motion should be filed to bring the case back in front of a judge to show proof of compliance and ask that the ticket be dismissed. An attorney can assist you... Read more »

2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for Illinois on
Q: I received a no insurance ticket in illinois but i had insurance just no proof, I still have proof what do I do?

I was in my mothers vehicle. I was an insure driver on the vehicle. I was pulled over for a broken taillight. The ticketing officer told me to show my proof of insurance to the county clerk no sooner than 7 days and no later than 30 days and they would return my license. On day 27 I went to the... Read more »

Jason A. Wilkins
Jason A. Wilkins answered on Jan 24, 2017

Hello Asker,

First of all, this is quite old so you will certainly want to hire an attorney for this case as it will require a motion to vacate the judgment. Typically, the court will not entertain a motion on a case older than two years and they prefer them to be within 30 days. Seeing...
Read more »

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2 Answers | Asked in Car Accidents and Insurance Defense for Illinois on
Q: CarInsurance canceled all coverage

CarInsurance canceled all coverage

We had left on vacation on December and made sure to get full coverage on the van we drove,

We got full coverage and made sure to pay the amount.

When we returned, we got into a car accident, when we go home, we received all the checks... Read more »

Steve McCann
Steve McCann answered on Jan 23, 2017

It is certainly possible to fight this based on the limited information provided. However, the success of such a claim depends on very specific language in your policy, as you may not of adhered to noticing or other formal requirements. I would recommend organizing all information related to... Read more »

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1 Answer | Asked in Traffic Tickets, Insurance Defense and Juvenile Law for Illinois on
Q: I'm on supervision and have a conviction on my record. just got a citation for driving with a expired License.

What will happen¿

Jason A. Wilkins
Jason A. Wilkins answered on Dec 27, 2016

Hello Asker,

Regrettably, I cannot answer this question without more information. Follow up questions would be necessary in a consultation to suss out the issues here. What I can say is that your new ticket for driving with an expired license can result in a revocation of your...
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1 Answer | Asked in Insurance Defense and Traffic Tickets for Illinois on
Q: If I have a ticket from 15 years ago for no insurance and I was so pos to do community service but dint do it.

I dint do the community service because I was in the hospital. What can I do now??

Jason A. Wilkins
Jason A. Wilkins answered on Dec 17, 2016

Hello Asker,

With regards to this ticket, the court may entertain bringing it back into court but you would need sufficient documentation to prove you were hospitalized. You are also going to need an excuse for why you are only now addressing this matter. In practice, cases can be brought...
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3 Answers | Asked in Traffic Tickets and Insurance Defense for Illinois on
Q: I have a ticket from 15 years ago what can I do it's for no insurance
Cheryl Powell
Cheryl Powell answered on Dec 14, 2016

Call the state's attorney and ask. It is a fine of $500ish, not a jailable offense.

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2 Answers | Asked in Traffic Tickets and Insurance Defense for Illinois on
Q: If you don't have proof of insurance then you show them that you have it will it drop?

Will they drop the charges that you have it proof of insurance to show them? Will you have go court over it or what?

Brian Polinske
Brian Polinske answered on Dec 5, 2016

By statute they must dismiss the charge with proof of valid insurance.

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