Required Auto Insurance in Illinois

When you own a vehicle in Illinois, you are required to have auto insurance. You are also required to have proof of that insurance and show it when law enforcement asks. If you don’t have auto insurance, it’s time to get it to both stay compliant and protect yourself financially. To get started with a policy, call us at George Ryan Jr. Insurance Group Inc. in Bourbonnais, IL.

Liability Coverage

Your Illinois auto insurance must have different liability coverage types within it. There is an amount that is required for bodily injury liability for one person who is injured in an accident. There is another amount required for everyone who is injured in the accident. Then, there is an amount required for property damage liability. All of these types of coverage are amounts that are paid out to the other party when you are at fault for the accident. They don’t pay for your own injuries or damages from the accident. 

Uninsured and Underinsured Motorist Coverage

The state also mandates two other types of coverage: uninsured motorist bodily injury and underinsured motorist bodily injury. These types pay for the medical bills the party at fault doesn’t pay. When someone else causes an accident, and you or your passengers are injured, this is used for the expenses related to those injuries. It does not pay for the damage done to your vehicle. To get protection for your car, you need to get collision coverage. This type isn’t mandated, but it’s important to have. 

Get Auto Insurance

Call us today at George Ryan Jr. Insurance Group Inc. when you need auto insurance in Bourbonnais, IL. We can answer your questions about auto insurance requirements as well as other types of auto coverage that can protect you.