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I hope you like our new website.  This site allows us more space to provide more information to you.  It is updated with new information and has improved pictures and graphics.  This site adds the “Quote” pages that you can fill out and submit to us for a quote on various types of insurance.  This site is also easier for us to update so we plan on updating frequently to keep things fresh and interesting.

This site is not 100% completed but I would rather get something out there than wait until it is perfect.  We will be working on this site for the next few weeks to add additional information and fill in gaps so have patience with us.  Check back and hopefully you will see changes from visit to visit.  If there is anything you would like for us to include, let us know.

New Illinois Law for “ATV’s”

New ATV law in Illiniois starting Jan 1

Effective January 1st, 2010, (per Illinois Section 11-1426.1 of the Illinois Vehicle Code) anyone operating a “non-highway vehicle” on a street, highway or roadway (including the right-of-way) is now subject to the state’s mandatory insurance requirements just like automobiles. For purposes of the law, a “non-highway vehicle” means a motor vehicle not specifically designed for use on a public highway, including the following:

An all-terrain vehicle
A golf cart
An off-highway motorcycle and
A neighborhood vehicle. A neighborhood vehicle means a self-propelled, electronic powered, four-wheeled motor vehicle (or a self-propelled, gasoline powered, four wheeled motor vehicle with an engine displacement under 1,200 cubic centimeters) that is capable of attaining in one mile a speed of more than 20 miles per hour, but not more than 25 miles per hour and which conforms to federal regulations.

You will now need to carry an insurance I.D. card while using any of the above vehicles while using them in a public roadway.
Non-highway vehicles operating on a roadway will be subject to the same penalties as a motor vehicle. Those penalties are:

Three months drivers license suspsension;
SR-22 for three years;
$500 fine payable in court;
$100 drivers license reinstatement fee

If you can prove insurance coverage is in effect when stopped by a law enforcement officer, the charges might be dropped and the Secretary of State’s statutorily penalties will not be enforced.

What does this mean to you? If you already have your “non-motorized vehicle scheduled on your insurance policy, most likely all you will need is an insurance I.D. card. If it is not currently on your policy, we may need to schedule it onto your policy. Everyone’s situation is different, so give us a call to find out what needs to be done so that you can avoid the ticket and ride legally under Illinois law.

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