A police officer stops you and asks for proof of insurance. Where must this evidence be kept?
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A.
Kept only at the Secretary of State's office
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B.
Kept only at the driver's insurance company
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C.
Kept at home with the vehicle registration
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D.
Carried in the vehicle or by the driver Correct
The answer is "Carried in the vehicle or by the driver"
Evidence of liability coverage must be carried in the vehicle or by the driver, and shown to law enforcement on request. The trap is 'kept at the Secretary of State'; drivers who know their SR-22 or policy is filed with the state assume that filing satisfies the on-the-road requirement, and skip carrying the card.
The traps in the wrong answers
A. Kept only at the Secretary of State's office
The state's records do not replace what the driver must physically carry. This answer assumes that because registration is filed with the state, proof of insurance is too, and needs no card in the vehicle.
B. Kept only at the driver's insurance company
A file at the insurer's office isn't what the officer is asking to see on the roadside. This answer trusts that the insurer's own records satisfy a roadside request, an assumption borrowed from how banks or landlords verify things by phone.
C. Kept at home with the vehicle registration
Registration lives with the vehicle; proof of insurance does too, not on a shelf at home. This answer pictures a home filing cabinet as the safe place for anything that has the word 'papers' in it, missing that both documents ride with the car.
This question tests your knowledge of Insurance & Financial Responsibility in Illinois. Source: Illinois Rules of the Road, "Mandatory Insurance," p.98..
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