0.1 Liability Insurance
By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Illinoisdrivers.com. This includes SMS messages for account notifications, customer care, delivery notifications, marketing. Message frequency varies. Message and data rates may apply. See privacy policy at https://illinoisdrivers.com/privacy-policy/. Message HELP for help. Reply STOP to any message to opt out.
About This Notice
We are committed to protecting your privacy and earning your trust. This notice describes the personal information we collect about you and how we use and protect it. It applies to our current and former customers who live in your state, and replaces earlier versions that we may have given to you.
Summary
This section summarizes our privacy practices. For more detail, please read the entire privacy policy. We gather information from you, your transactions with us, and outside sources.
We use your information only to conduct our business and provide insurance to you.
We will share your information with your selected agent or broker.
We will not share your information with other companies for their marketing purposes without your consent.
We limit access to your information and use safeguards to help protect it.
You may review and correct your information.
The site primarily serves Illinois residents who have received insurance verification letters, helping illinois motorists driving in the state of illinois comply with mandatory automobile insurance laws. Auto insurance, also known as car insurance, is required for all registered vehicles in Illinois. The Illinois Insurance Verification System (ILIVS) was implemented by the illinois secretary and the state’s office to electronically verify auto insurance coverage. Through electronic verification, ILIVS checks with your insurance company to confirm that your vehicle is insured at least twice a year. If the initial verification attempt does not determine that your vehicle is covered, a second verification will occur after 30 days. If you are suspended for a previous failure to maintain insurance, or if you cannot prove insurance after the second attempt, you will receive a registration suspension letter. To reinstate your vehicle’s registration after it is suspended and your license plates are suspended, you must provide proof of valid registration and insurance and pay a $100 reinstatement fee. Vehicle owners can use ILIVS.com to provide proof of coverage if the system did not verify it automatically, using a reference number from the suspension letter or their vehicle identification number. If you receive a letter from the Secretary of State regarding insurance verification, you must contact your insurance company or insurance agent. If you do not have insurance, you must obtain it to avoid license plate suspension. Driving without insurance in Illinois can result in the following fines: a minimum fine of $500, and if caught driving with suspended license plates due to a previous insurance violation, a minimum fine of $1,000, along with possible traffic citations. Repeat offenders may face a four-month license plate suspension and additional fines if license plates are suspended again. The ILIVS program, launched under state jesse white, aims to reduce the number of uninsured motorists in the state of illinois and began enforcement on July 1, 2021, as part of an upgrade to the state’s mandatory insurance verification program.
What information do you collect about me?
By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Illinoisdrivers.com. This includes SMS messages for account notifications, customer care, delivery notifications, marketing. Message frequency varies. Message and data rates may apply. See privacy policy at https://illinoisdrivers.com/privacy-policy/. Message HELP for help. Reply STOP to any message to opt out.
We collect information about you to quote and service your insurance policy. This is called “Nonpublic Personal Information” if it identifies you and is not available to the public. Depending on the product, we collect it from some or all of the following sources. We have provided a few examples for each source, but not all may apply to you.
Application Information: You provide this on your application, through your agent or broker, by phone, or online. We may also obtain it from directories and other outside sources. It includes your name, street and e-mail addresses, phone number, driver’s license number, Social Security number, date of birth, gender, marital status, type of vehicle, and information about other drivers.
Consumer Report Information: We obtain this from consumer reporting agencies. It includes your driving record, claims history with other insurers, and credit report information. The information is kept by the consumer reporting agencies and disclosed by them to others as permitted by law.
Transaction Information: This is information about your transactions with us, our affiliates, or others. It includes your insurance coverages, limits and rates, and payment and claims history. It also includes information that we require for billing and payment.
Web site information: This information is unique to Internet transactions. It includes the Web site that linked you to ours, your computer operating system, and the pages you viewed on our site. Some Web sites, including ours, may also store “cookies” on your computer. Cookies collect technical data, like your Internet protocol (IP) address, operating system, and session ID. They can also save certain information entered by you.
No contact phone number or SMS consent is going to be shared with third parties
Who might get information about me from you?
We will share information about you only as permitted by law. We will not share your Nonpublic Personal Information with other companies for their marketing purposes without your consent. There is no need to “opt out” or tell us not to do this.
Disclosures may include sharing information with your insurance agent or insurance company to determine compliance with Illinois automobile insurance laws and to verify that your vehicle is covered. The state’s office, specifically the Illinois Secretary of State, may request information to verify your insurance status and manage your vehicle’s registration status.
Disclosures include those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research or comply with the law. Recipients include, for example, our family of insurance companies, claims representatives, service providers, consumer reporting agencies, insurance agents and brokers, law enforcement, courts and government agencies. These parties may disclose the information to others as permitted by law. For example, Consumer reporting agencies may disclose Transaction Information received from us to other insurance companies with which you do business.
Where permitted by law, we may also disclose Application or Transaction Information to service providers that help us market our products. These service providers may include financial institutions with which we have joint marketing agreements.
How do you protect my information?
We restrict access to your Nonpublic Personal Information to our employees and others who we feel must use it to provide our products and services. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic and procedural safeguards to protect your information.
How can I review and correct information you have about me?
To review information we have about you, send a written request to Customer Service, P.O BOX 446, Kewanee IL 61443. You must describe the kind of information you want to review and state that your request is in response to this Privacy Policy. Include your full name, mailing address, and policy number (if applicable). Within 30 business days, we will describe what is available and how you may request corrections. We will also name anyone we show as having received the information within two years prior to your request. Finally, we will identify the companies that have provided Consumer Report Information about you.
You may review the information at our offices or receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.
To correct information about you, send a written request as described above, explaining your desired correction. Within 30 business days, we will either make the requested correction or tell you why we will not. We cannot correct Consumer Report Information, such as your credit report. To do this, you must contact the consumer reporting agency that provided it.
If we make your requested correction, we will notify you in writing. We will also notify anyone named by you who may have received the information within the previous two years. If required by law, we will also notify others who may have given it to or received it from us. If we refuse to make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file. It will be sent to the same persons to whom we would send a copy of any correction or change.
Is there additional information for Web site visitors?
Yes. When you visit our Web sites, we use the information we collect to provide services to you. We use Web Site Information to help understand what you want so that we can enhance your online experience. For example, if you start an insurance quote on our Web site, but decide to finish it later, we will save your information so you can pick up where you left off. We also use Web Site Information to analyze use of our Web sites. Information that does not identify you, or that you give us for contests and surveys, may be used for marketing purposes.
We use cookies to maintain your session id. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to reject all cookies. You do this by changing the settings on your browser (e.g., Internet Explorer, Netscape, Mozilla Firefox, etc.). Each browser is a little different, so look at your browser’s “Help” menu to learn how to modify its settings to reflect your cookie preferences. However, if you choose to reject cookies, you may not have access to many features that make your Web experience smoother, and some of our services may not function properly.
Why do you ask for my e-mail address?When you quote or buy insurance on our Web site, we collect your e-mail address so that we can send you e-mails concerning your transactions with us, and other information we think you’ll find useful.
To ensure you get our e-mails, our service provider or we may receive confirmations when you open them or click through e-mail links. These confirmations may also show whether your e-mail application supports graphics, so we can tailor our messages to you.
We will share your e-mail address with your selected agent or broker. We will not share your e-mail address with other companies for their marketing purposes without your consent.
What about Web site security?Our security measures help ensure that your data is secured and encrypted, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs.
We use a secure server and security protocol to safeguard information you provide during the purchase process. Our secure server uses a Secure Sockets Layer (SSL) to interact with you when you provide personal information during the purchase process. We handle your information via 128-Bit encryption. Every secure page on our Web sites has a digital certificate by RSA Data Security/Secure Server CA. This is shown via the site certificate that resides on all secure pages. To view it, click on the image of the “closed lock” or the “solid key” on the bottom of your browser window. A small frame displaying security information will appear. Click on “subject” to verify that you are on our site. Click on “Issuer” to verify the site certification authority.
What about links to other Web sites?Our Web site contains links to other sites that are not ours. These links are solely for your convenience. We make no warranties or representations about other Web sites. We recommend that you read the privacy and security policies of these sites.
What does the technical jargon mean? Cookie: A small text file saved in your computer when you access certain Web pages. Cookies identify you to the Web site that gave you the cookie.
Digital certificate: A small file that can be transferred to your computer and used for authentication. Once installed, it can be automatically used as needed.
Internet protocol (IP) address: A string of numbers that are translated into a domain name.
Operating system: The program responsible for overseeing the basic hardware resources of a computer. UNIX, DOS, Windows, and Macintosh System 7 are examples of operating systems.
Secure server: A computer system set up to provide privacy, integrity, and authentication in communications. (See SSL).
Security protocol: A specification that describes how computers will talk securely to each other on a computer network.
Secure Sockets Layer (SSL): A protocol that delivers server authentication, data encryption, and message integrity. SSL encrypts Internet communications. Session ID: The code used to keep track of a person as they interact with a server. Site certificate: This is the same as a digital certificate, but it is used on the server rather than at the browser. 128-bit encryption: A way of making data unreadable to everyone except the receiver. It is a common way of sending credit card numbers and data over the Internet. It is used by SSL.
Session ID: The code used to keep track of a person as they interact with a server.
Site certificate: This is the same as a digital certificate, but it is used on the server rather than at the browser.
128-bit encryption: A way of making data unreadable to everyone except the receiver. It is a common way of sending credit card numbers and data over the Internet. It is used by SSL.
Role of the Secretary of State
The Secretary of State serves as the chief administrator of the Illinois Electronic Auto Insurance Verification Program, playing a pivotal role in upholding the state’s mandatory insurance law. This office is responsible for ensuring that all vehicle owners in Illinois maintain an active liability insurance policy, as required by law, to keep their vehicle’s registration valid and their license plates in good standing.
Through the Illinois Insurance Verification System (ILIVS), the Secretary of State’s office oversees the electronic insurance verification process. When a vehicle owner’s insurance status cannot be verified electronically, the office sends a registration suspension letter to the registered owner. This letter includes a specific reference number, which the vehicle owner must use to access the ILIVS website and provide proof of liability insurance coverage. If the owner is unable to provide evidence of an active insurance policy, the Secretary of State will suspend the vehicle’s registration. To have the registration suspension removed, the owner must obtain liability insurance and pay a $100 reinstatement fee.
Enforcement of the mandatory insurance law is a collaborative effort between the Secretary of State’s office and law enforcement officers across Illinois. If a driver is stopped for a traffic violation or is involved in an accident and cannot prove insurance coverage, the law enforcement officer may issue a citation. Illinois motorists found driving uninsured face a minimum fine of $500, and repeat offenders may encounter higher fines and longer periods of license plate suspension. These measures are designed to reduce the number of uninsured motorists on Illinois roads and encourage compliance with state law.
Beyond enforcement, the Secretary of State’s office is dedicated to educating Illinois motorists about the importance of auto insurance and how to comply with the mandatory insurance requirements. The office provides resources and guidance to help vehicle owners obtain liability insurance, understand the insurance verification system, and respond to any notices or registration suspension letters they may receive. For questions or assistance, vehicle owners can contact the Secretary of State’s office directly by phone or through the program’s website.
By working closely with insurance companies, law enforcement, and the public, the Secretary of State’s office ensures that Illinois motorists are informed, compliant, and protected. This comprehensive approach helps maintain safer roads and supports the integrity of the state’s auto insurance system.
