Frequently asked

Google Reviews


on 116 reviews

What happens to me if I drive without auto insurance?

If you are involved in an auto accident or stopped by a police officer and found to be driving without car insurance or proof of financial responsibility, you will be subject to penalties specific to the laws of your state. For violation of the financial responsibility law, those penalties could include a fine or loss of driving privileges. If you are uninsured and in an accident that involves property damage or injuries to people, you will be required to pay out of-pocket for any damages assessed by a court.

Auto insurance is a contract with an insurance company that can protect you against severe financial loss if you are ever in an auto accident. Varying types of coverage act as a ?bumper? against various accident-related expenses, like liability, medical costs, damage to vehicles, and property damage.

Most states have laws in the books that require basic auto insurance coverage for every driver. A few states ask only that you demonstrate "financial responsibility".

Yes. Since most states require auto insurance of all drivers, the states have assigned risk plans to assure coverage if you are unable to find an insurance company willing to accept you. The exact type of plan varies from state to state, but assigned risk policies are usually relatively expensive. Why? Because a bad driving record makes you a bad risk for any insurer – even if they must accept you.

If your state requires you to have auto insurance in order to drive, you may be faced with a dilemma if insurance companies won’t accept you. Most states, therefore, have some sort of assigned risk plan to assure that you can get coverage. The cost of insurance under the assigned risk plan may be high, but the plan must accept you.

You and the family members, friends and associates that you let borrow your car are all covered by your personal auto policy. Explicit permission is not required each time they borrow your car. They are covered as long as they have a reasonable belief that you would have permitted the loan.

Though it helps, having car insurance does not stop anyone from suing you. It does provide the assurance that, if you are sued as the result of an automobile accident, the financial and legal resources of the insurance company will assist you in defending against the suit and paying any resulting damages.

Keep a proof of insurance card in your vehicle at all times.

Most states require drivers to carry proof of insurance cards, sometimes called “insurance ID cards.” It isn’t a bad idea to keep another copy in your wallet, too.

Since identity theft is so widespread, store your vehicle title and registration at home. If you are required by state law to carry a copy of your vehicle registration, keep it in your wallet or locked glove compartment.

(Source of information:

Check Our Best Offers

No credit or poor credit is
never a problem

Low Cost Auto Liability Insurance

Low Cost Auto

Liability Insurance

SR-22 Same Day


Same Day

We quote lowest rates in Illinois.

AAA Progressive.

Insurance for Amazon and Uber.

Real Clients. Real Reviews.

Liliana at Atlantic great customer service I loved it..shes always been there for me since Day it shes a keeper,shes friendly she does things quickly and really her service...

Daliana Ramirez

This worker in Atlantic Insurance is amazing Liliana Roldan is fast at working and she convinced me to pay my price and i got really good offers.

Ashley Ramirez

Called in to get coverage for my daughter’s first car while at the dealership, Liliana is GREAT! Did everything via email, she gave us a couple of options and helped decide the best coverage for my daughter. Highly recommend Liliana at Atlantic, great customer service and speedy service!

Michelle Cruz

Liliana was amazing!! She helped me with all my troubles and she found me the best price for my car insurance! price and her respond was Better than in all other companies! I am so grateful for that and I recommend this company for everyone, and always ask for Lily! She is the sweetest person i ever met! best regards!

George Krkeljic

Liliana is the absolute sweetest ! She’s very quick to reply with emails and extremely helpful. She makes purchasing insurance very easy. If I could give her 100 stars I would.

Aida Agic

Contact Us Today!

ATLANTIC Insurance Agency
5356 W. Belmont Ave
Chicago, IL 60641