IL SB2972

Requires liability insurance with minimum $50,000 coverage per occurrence for motorboats over 50 horsepower and personal watercraft operating in Illinois

Owners and operators must carry proof of insurance on the watercraft, which may include insurance cards, policy declarations, binders, or electronic images on a phone or device

Department of Natural Resources cannot approve new or renewed registrations without proof of liability insurance from a company licensed in Illinois

Operating an uninsured motorboat or personal watercraft that causes an accident is a Class A misdemeanor

Failure to carry proof of insurance is a petty offense with fines of $50-$250 for first violation, $250-$500 for second violation, and Class A misdemeanor with $500-$1,000 fine for third or subsequent violations