Illinois video lessons · Lesson 9 of 10
Illinois Insurance, Collisions and Registration: five situations explained
All five situations and their answers are below. To watch the lesson, create a free account.
In this video
- 0:00Intro
- 0:18What is the minimum Illinois liability coverage for damage to another person’s property?
- 1:05Who files an SR-22 certificate of insurance with the Secretary of State?
- 1:56What do you affirm when you sign an Illinois registration renewal?
- 2:46After a Safety Responsibility suspension, how long must you keep proof of financial responsibility on file?
- 3:47When must an Illinois driver file a crash report, regardless of fault?
- 5:02Recap
In short
The minimum property damage liability limit in Illinois is $20,000. The SR-22 is filed directly with the Secretary of State by the insurance company. Once owners sign the registration or renewal application, they affirm the vehicle is properly insured.
The five situations
Pick an answer first, the way the video pauses for you. Each one cites the Illinois Rules of the Road 2026 (dsd_a112).
Situation 1
What is the minimum Illinois liability coverage for damage to another person’s property?
Answer: B. $20,000. The minimum property damage liability limit in Illinois is $20,000.
Illinois Rules of the Road 2026 (dsd_a112) › Chapter 13 › Mandatory Insurance
Situation 2
Who files an SR-22 certificate of insurance with the Secretary of State?
Answer: B. Your insurance company. The SR-22 is filed directly with the Secretary of State by the insurance company.
Illinois Rules of the Road 2026 (dsd_a112) › Chapter 7 › Traffic Violations/Crashes › Financial Responsibility Law
Situation 3
What do you affirm when you sign an Illinois registration renewal?
Answer: A. That the vehicle is properly insured. Once owners sign the registration or renewal application, they affirm the vehicle is properly insured.
Illinois Rules of the Road 2026 (dsd_a112) › Chapter 13 › Owning a Vehicle › Mandatory Insurance
Situation 4
After a Safety Responsibility suspension, how long must you keep proof of financial responsibility on file?
Answer: C. Three years from the date first filed. Privileges stay suspended until you provide proof of financial responsibility and keep the insurance for three years from first filing.
Illinois Rules of the Road 2026 (dsd_a112) › Chapter 7 › Traffic Violations/Crashes › Safety Responsibility Law
Situation 5
When must an Illinois driver file a crash report, regardless of fault?
Answer: A. Death, injury, or over $1,500 in property damage. A report must be filed if the crash involves death, bodily injury, or property damage over $1,500 (over $500 if any vehicle is uninsured).
Illinois Rules of the Road 2026 (dsd_a112) › Chapter 7 › Crash Reports
Transcript
0:00Intro
Insurance, crashes and registration come with deadlines and dollar amounts the test loves to ask about. Here are five from the Illinois Rules of the Road. For each one, pick your answer before I reveal it.
0:18Situation 1
You're buying car insurance in Illinois. What is the minimum Illinois liability coverage for damage to another person’s property? The answer is B: $20,000. The minimum property damage liability limit in Illinois is $20,000. The minimum liability limit for damage to another person's property is 20,000 dollars.
1:05Situation 2
A driver has been told they need an SR-22 certificate. Who files an SR-22 certificate of insurance with the Secretary of State? The answer is B: Your insurance company. The SR-22 is filed directly with the Secretary of State by the insurance company. The insurance company files the SR-22 directly with the Secretary of State.
1:56Situation 3
You sign your Illinois registration renewal. What do you affirm when you sign an Illinois registration renewal? The answer is A: That the vehicle is properly insured. Once owners sign the registration or renewal application, they affirm the vehicle is properly insured. Your signature affirms that the vehicle is properly insured.
2:46Situation 4
A driver's privileges were suspended under the Safety Responsibility law. After a Safety Responsibility suspension, how long must you keep proof of financial responsibility on file? The answer is C: Three years from the date first filed. Privileges stay suspended until you provide proof of financial responsibility and keep the insurance for three years from first filing. They stay suspended until proof of financial responsibility is filed, and that insurance must be kept for three years from the first filing.
3:47Situation 5
You're in a crash in Illinois. Fault isn't clear yet. When must an Illinois driver file a crash report, regardless of fault? The answer is A: Death, injury, or over $1,500 in property damage. A report must be filed if the crash involves death, bodily injury, or property damage over $1,500 (over $500 if any vehicle is uninsured). File a report if there's a death, an injury, or more than 1,500 dollars in property damage, or more than 500 if any vehicle is uninsured.
5:02Recap
The minimum property damage liability limit in Illinois is $20,000. The SR-22 is filed directly with the Secretary of State by the insurance company. Once owners sign the registration or renewal application, they affirm the vehicle is properly insured. Privileges stay suspended until you provide proof of financial responsibility and keep the insurance for three years from first filing. A report must be filed if the crash involves death, bodily injury, or property damage over $1,500 (over $500 if any vehicle is uninsured). Nice work. Try more insurance and collision questions in Practice by Topic, then test yourself with a full mock exam.
The rules in this lesson
- The minimum property damage liability limit in Illinois is $20,000.
- The SR-22 is filed directly with the Secretary of State by the insurance company.
- Once owners sign the registration or renewal application, they affirm the vehicle is properly insured.
- Privileges stay suspended until you provide proof of financial responsibility and keep the insurance for three years from first filing.
- A report must be filed if the crash involves death, bodily injury, or property damage over $1,500 (over $500 if any vehicle is uninsured).
Original practice lesson written from the Illinois Rules of the Road 2026 (dsd_a112). EstatePass is not affiliated with or endorsed by the Illinois SOS; these are not official test questions.