Illinois Auto Insurance

In order to legally operate a motor vehicle, you need a minimum amount of Illinois auto insurance. This insurance acts to protect drivers from the financial perils that auto accidents can produce. If there were no auto insurance you would be fully financially responsible for any damages you caused in an accident. This could cost tens of thousands of dollars, which most of use could not afford to pay.

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• Bodily Injury Liability Insurance - In Illinois, you are required to have at least $20,000 bodily injury liability insurance per person, and $40,000 per accident. This insurance protects you from the medical costs of injuries and pain and suffering of other drivers or people that are injured as a result of your driving actions. It does not however cover injuries to you. For that protection you must have some form of medical insurance.
• Property Damage Liability Insurance - You are also required to have $15,000 of property damage liability insurance. This insurance covers damages to property such as the other motorist’s car that are caused by you in an auto accident. It does not however cover damages to your car. To protect your car, you must have collision or comprehensive coverage's as part of your policy.

The liability values listed above were only the minimum required in Illinois. Remember that any damage above this minimum will be your responsibility to pay. Therefore it is a good idea, to increase these minimums to fully protect you. Increasing these minimums will increase your premiums, and to determine how much they will increase, get a free Illinois car insurance quote . This small increase in premium is worth it however, when compared to the cost that could arise if you are in a major collision. Be smart and ensure you are fully insured. For more information on Illinois auto insurance check out the Illinois DMV website.

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