In the event that you cause an accident, Illinois requires you to be covered by auto insurance that complies with the state’s mandatory minimum liability limits. Policy limits that are higher than the state’s minimum are available. Whether you want higher policy limits usually depends on your assets and need for increased protection. Here are the Illinois minimum auto insurance requirements:
Bodily Injury: A minimum of $25,000 of coverage per person and $50,000 for two or more injured people is mandatory. This is for personal injury damages like medical bills, lost earnings, pain, and suffering, any permanent disability or disfigurement, or even death.
Property Damage: $20,000 of coverage is required for vehicle or other damage to property that you caused if you are found to be liable for an accident.
Uninsured Motorist Bodily Injury: You’re covered for your personal injury damages up to the amount of your bodily injury policy limit if you’re injured in an accident that was caused by an uninsured driver.
Underinsured Motorist Insurance: This covers you when the driver who was at fault for your accident doesn’t have insurance sufficient to cover your personal injury damages. His or her coverage must be lower than your underinsured motorist bodily injury limits. If you decide that you want policy limits that are higher than the Illinois mandatory minimum limits, underinsured motorist coverage becomes mandatory.
Other optional insurance like collision and comprehensive coverage, medical payments and uninsured motorist property damage is available. You can contact us here at Accurate Auto Insurance by phone or email to get your quote. A credit check isn’t even required. As long as you have a valid driver’s license, we can get you Illinois minimum auto insurance in a matter of minutes.
