Auto Insurance in Illinois
What Is Required for Auto Insurance in Illinois?
Illinois requires that drivers have both liability insurance and uninsured motorist coverage. Liability insurance will cover costs associated with any property damage or injuries that happen from a car accident you cause. There must be a minimum of $40,000 of coverage for bodily injuries and $15,000 of coverage for property damage. Liability coverage won’t go toward any of your own costs. In the state, it is also required that you have underinsured and uninsured motorist bodily injury coverage, which helps cover any injuries that occur to you or passengers in an accident with a driver who doesn’t have coverage or the state’s minimum. The limits for underinsured are $25,000 per person and $50,000 total and the limits for uninsured are $20,000 per person and $40,000 total. This insurance won't cover personal property damage.
Other Insurance Options to Consider
Since the minimum state requirements don’t cover your injuries or damage, having additional insurance in Columbia, IL can help. Collision coverage will pay for damages to your own car after an accident. Comprehensive insurance will pay for repairs if your vehicle suffers damage from an event that is not a traffic accident. Medical payment coverage will pay for injuries related to a crash. Uninsured motorist property damage will pay for damages to your car after an accident with someone who doesn't have insurance. You may be required to have comprehensive and collision coverage if you are leasing your car or financing through a lender. An agent at Taake Insurance Agency can help you find an adequate coverage amount for you.
What to Know about Car Insurance in the State
Illinois will monitor car insurance through a system of random questionnaires. It uses a computer system to randomly send out the questionnaires to verify the car insurance status of drivers. If you are selected, you have to respond with the name of your insurance carrier and the policy number. If you don’t have insurance, license plates will be suspended. The state also checks during traffic stops, so you are required to carry your insurance card in your car at all times.
Contact Taake Insurance Agency, serving Columbia, IL, to get a quote on auto insurance.