Like in other states, Illinois has an assigned risk plan called the Illinois Auto Insurance Plan (ILAIP). This is the last resort for high-risk drivers who can’t obtain an insurance plan through the regular insurance market.
Among those identified as high-risk drivers are those with problematic driving records and certain types of vehicles. Before you can qualify for ILAIP, however, you must satisfy the following requirements:
- You should have a valid driver’s license or are eligible to get one
- You should have a vehicle safe to operate
- You must be turned down by auto insurance companies
- You should not have an outstanding premium with your auto insurance for the last 36 months
Insurance companies in Illinois offering vehicle coverage are required to accept high-risk drivers based on their annual quota. Drivers qualified for ILAIP will be placed in a residual pool then assigned to a regular insurance carrier. However, with the ILAIP, your premium may be higher than the average insurance cost. Should you be able to maintain a good driving record, you may eventually return to a regular insurer.
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