The Illinois Automobile Insurance Plan (ILAIP) was created to provide automobile insurance coverage to those eligible risks who are unable to obtain coverage in the voluntary market. This Plan became effective on October 1, 1940.
All insurers writing automobile insurance in Illinois are required to participate in the ILAIP by subscribing to the Plan. All agent and brokers holding a valid license to transact automobile insurance in the state of Illinois are eligible to submit applications to the Plan.
Applicants must declare and certify that they have tried and failed to obtain automobile insurance in Illinois within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the Plan. Applicants must have also have a valid drivers license or be eligible to obtain one through a filing. For further information, consumers should consult their agent or broker.