As a driver who needs car insurance in Illinois, there are a few different coverages you are required to have. Below is a rundown of the minimum requirements for coverage in Illinois:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured motorist coverage: $25,000 per person and $50,000 per accident6
As an at-fault state, Illinois holds at-fault drivers responsible for the property damage and injury expenses of the other party. Liability insurance covers only damages and injuries to other parties and does not cover your own expenses associated with vehicle repairs or bodily injuries.
Furthermore, the minimum amount of each type of required coverage may not be enough to pay for all of the expenses after a car accident. For example, an accident you cause may result in property damage that exceeds the $20,000 minimum, leaving you to pay for the remaining cost out of pocket. Therefore, we recommend that you consider raising your liability limits and adding comprehensive, collision and medical payment coverage to your policy.
Comprehensive coverage provides protection against non-collision incidents, such as vandalism, theft and weather-related damage. Meanwhile, collision coverage provides coverage for damages caused by collisions with other vehicles or objects. Finally, medical payments coverage will cover the cost of your and your passengers’ injuries, regardless of who is at fault for the accident.