If you're ever found at fault in an incident that causes injury to another driver or damage to their property, liability coverage steps in to help make sure medical and repair bills don't have to come out of your wallet.
All Illinois drivers must carry the following minimum auto insurance liability limits in order to drive legally:
- $20,000 of bodily injury coverage per person
- $40,000 of bodily injury coverage per incident
- $15,000 of property damage coverage per incident
This is just a starting point. You can always get quoted with higher coverage limits for additional financial protection in the event of an at-fault incident.
Uninsured motorist coverage
Illinois also requires all drivers carry uninsured motorist (UM) bodily injury coverage, which helps safeguard you and your passengers from paying hospital bills related to a collision with an uninsured driver. This coverage can also protect you in hit-and-run situations.
All residents in the Land of Lincoln must carry UM coverage at the following minimum limits:
- $20,000 of uninsured motorist bodily injury coverage per person
- $40,000 of uninsured motorist bodily injury coverage per incident
Underinsured motorist (UIM) bodily injury coverage helps pay for accident-related medical bills for you and your passengers if someone without sufficient liability coverage limits hits you. You may also be required to purchase UIM coverage if you buy UM coverage limits higher than the state-required minimums.
Adding these optional coverages to your Chicago auto insurance policy offers you extra monetary security if you ever need to file a claim. Here's a sampling of what we offer:
- Uninsured motorist property damage coverage
- Medical and funeral services payments coverage
- Comprehensive and collision coverages
- CarMatch Rental Coverage®
Breeze along to our Illinois auto insurance page to learn more about Prairie State insurance requirements and even more coverage options!