An electronic insurance verification program may soon be implemented in Illinois. This program will make it much easier for officers to catch those driving without car insurance. In 2014, the Illinois legislature established a committee to design the program, which will likely include a computer database that would be accessible to law enforcement during traffic stops. The system would allow officers to ensure you are up to date on your monthly insurance payments. Often, individuals make a down payment on their insurance, receive their insurance card, and do not follow up on monthly payments, allowing their coverage to lapse while retaining the card showing that they are insured. As of now, in order to ensure you are currently covered by insurance, officers must call the insurance company.
It is expected that the Secretary of State will adopt the rules for the program by 2016. The agency has estimated that of the 9 million licensed drivers in Illinois, 6% are uninsured.
Michigan has recently adopted a similar program, allowing police to access information on whether a vehicle is insured by running the license plate through their computer. Michigan insurance companies are required to transmit policy information twice a month, so the information provided to officers is reasonably accurate.
UPDATE: IL law enforcement could soon use database to catch drivers without car insurance, May 5, 2015, www.wrex.com
Michigan Police Now Have Access to Check Car Insurance, March 31, 2015, www.claimsjournal.com