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What I will gain for $25 per year? Q&A 

What is a Traffic Bond Card? A Traffic Bond Card allows you to keep your Driver’s License, as your form of identification, when receiving a traffic ticket and covers your fine of up to $140.00 (was corrected from $160) for a single ticket-able offense and up to $500.00 for multiple ticket-able offenses issued at the same time. A Traffic Bond Card must be presented to the police at the time the ticket is issued.

Do I still have to appear in court for my Traffic Ticket?  Unless your ticket is marked “Must Appear” or the Fine on the ticket is exceeds the limits above, you do not have to appear in court for the traffic offense.

What if my Traffic Fine is more than the Traffic Bond Card Coverage?

You must then go to court and if found guilty pay the difference of the fine.

Can I still fight my ticket in court? Absolutely, if you feel you want to contest your ticket you should go to court and do so. If you are found guilty and the fine is within the limits above, your Traffic Bond Card will still cover your ticket. If the ticket is dismissed, they will return your Traffic Bond Card.

Will a Traffic Bond Card post my Bond if I am arrested? No, it is for ticket-able offenses only.

Is my Traffic Bond Card valid only in Illinois?  Your Traffic Bond Card is valid in Illinois, Wisconsin and Indiana.

Can I use my Traffic Bond Card more than once?  No, it may only be used once during the term of the card, however, you may purchase more than one Traffic Bond Card at a time if you wish for additional protection.

Do I need a Driver’s License to have a Traffic Bond Card? No, anyone may purchase a Traffic Bond Card. Some coverage exclusions apply** ask for details.

Can I purchase a Traffic Bond Card after I receive a Traffic Ticket to cover my fine? No, your Traffic Bond Card must be effective before you get the Traffic Ticket in order to be covered?

Is my Traffic Bond Card only valid in my car? No, your Traffic Bond Card covers you in any vehicle you operate.

The MCA Traffic Bond Card provides

coverage for traffic offenses

including but not limited to:

Disobeying traffic control device, Red Light, Stop sign

 Driving too fast for conditions


 Illegal Lane Change

 Improper Passing

 Improper U-Turn

 Failure to Yield


Allows you to keep your license and photo ID    

*If fine exceeds amount of coverage, you must appear in court and pay the difference if guilty.

E-mail your name and address to or call (773) 988-7608. Payment methods are through bank deposit in CHASE bank, Helpico Insurance Agency Account 151001620, PayPal through this page, and stopping at the office. You card will be e-mailed and mailed in the very same day if you aren't present here.

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