Query Insurance Agency, inc.

Avoid a ticket...
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 suspension;
		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.

Our phone number is (815) 562-4152.