What is the Mandatory Auto Insurance in Illinois?

What Kind of Insurance Am I Legally Required to Have in Illinois

Check out what auto insurance you need to have in Illinois.

All motorists in Illinois know that they need auto insurance, but many are stumped on what limits and policies are legally required. This confusion can undoubtedly mean that many are overpaying for their coverage or are not fully insured to their needs.

When determining your auto insurance in Illinois, check out the legal requirements!

Bodily injury liability insurance coverage:

  • $25,000 for injury/death to one person.
  • $50,000 for injury/death to more than one person.

Liability insurance compensates a person, who is not the policyholder, for personal injury and property damage resulting from an accident. Additionally, liability insurance coverage will pay for legal costs if the insured driver is involved in a lawsuit regarding a vehicular accident. This coverage is required for a driver to be legally insured in Illinois.

Comprehensive or collision insurance does not meet vehicle financial responsibility requirements!

Property damage liability insurance coverage:

  • $20,000 for damage to property.

This coverage is required in Illinois, that will pay for damage done to another person’s property resulting from a vehicular accident – when the policyholder is legally determined to be held liable. Similarly to bodily injury coverage, property damage liability coverage will pay for legal costs associated with the lawsuit, resulting from the accident.

Motorists should be reminded that you should always carry your insurance card in your vehicle and show it upon request by any law enforcement officer. This card will be issued by your insurer!

To secure your quality auto insurance policy in Orland Park, Illinois, contact the insurance professionals at Gee Schussler Insurance Agency today.