Minimum Auto Insurance Requirements in the State of Illinois

Like many other states, Illinois requires all drivers to have auto insurance, and they must provide proof that they have an active policy. The state of Illinois will also send out random questionnaires so they can monitor the insurance status of every driver, and they’re meant to verify that everyone in the state has an active policy that meets with their standards. You need to have one in place so you don’t get caught off guard.

Minimum Coverage Required by the State of Illinois

To be legally covered according to the state of Illinois, you must have at least the following types of coverage:

•    Liability insurance
•    Uninsured motorist coverage

Liability insurance will cover any costs that are associated with any injuries or property damage by which others involved in the accident have been affected, and it must have the following minimum amounts:

•    $25,000 in bodily injury coverage for every individual person
•    $50,000 in total bodily injury coverage for every accident
•    $20,000 in property damage coverage

Liability insurance doesn’t cover any costs associated with your vehicle, and it doesn’t cover any medical expenses if you’ve been injured.

Uninsured and underinsured motorist coverage is meant to cover any injuries that have resulted from an accident that involved someone who didn’t carry adequate coverage according to Illinois State Law, and it can cover the medical costs of your passengers as well. According to the state of Illinois, you must have the following minimum amounts:

•    $25,000 for every person who was involved in the accident
•    $50,000 for every accident

While this type of coverage will pay for medical costs, it won’t cover property damage. Be sure to speak to an agent at George Ryan Jr. Insurance Group in Bourbonnais, IL. We can help you find a policy that will meet these state-required minimums, and we’ll make sure it fits within your budget.

Additional Coverage Options for Illinois Auto Insurance Policies

Even though the state of Illinois has certain minimum requirements, you should consider getting more protection so you can be covered for additional liabilities. Many auto insurance policies in the state of Illinois will offer the following coverage options:

•    Collision – Will cover any damage to your vehicle if you have been involved in an accident
•    Comprehensive – Will pay for any repairs that resulted from damage that didn’t involve an accident
•    Medical payments – Will pay for any medical expenses that resulted from an accident
•    Uninsured motorist property damage – Will cover any damage to your car if you were involved in an accident with a driver who didn’t have insurance

If you live in Bourbonnais, IL, then you need to get in touch with someone at George Ryan Jr. Insurance Group Inc. We have agents who can give you a detailed explanation on all the coverage options available. Be sure to get in touch with someone today!