I'm not sure how it works in Illinois, but in California, it's a crime to not have your insurance card with you while driving. Even if you are insured, if you forget your card, it's a ticket that can't be fixed. I don't remember the exact fine, but it wasn't cheap. Something like $1400 if you show up in court without any card, and $400 if you do have a card. You did get lucky. Just goes to show that there are cops out there that aren't hellbent on writing tickets!
Take care,
-Chris
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