What types coverages of automobile insurance is legally required in Illinois?

What auto coverages are mandatory in Illinois?

If you’re a vehicle owner in Illinois, the minimum coverage you’re required to carry is:

  • $25,000 for the injury or death of one person in an accident caused by you.
  • $50,000 total for all injuries or deaths in an accident caused by you, and.
  • $20,000 for damage to the property of another person in an accident caused by you.

What two auto insurance coverages are required in Illinois?

As a resident of Illinois, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

Which insurance coverage are you legally required to purchase?

Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components: Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.

What is considered full coverage in Illinois?

Full coverage insurance in Illinois is usually defined as a policy that provides more than the state’s minimum liability coverage, which is 25000 in bodily injury coverage per person, up to 50000 per accident, and 20000 in property damage coverage.

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Is UIM coverage required in Illinois?

Illinois requires you to purchase uninsured motorist limits (or coverage) of at least $25,000 per person and $50,000 per accident. Underinsured motorist coverage is included if you purchase higher limits of uninsured motorist coverage.

What is comprehensive coverage for auto insurance?

Comprehensive coverage includes all perils, except for collision, or upset of the automobile, or damage caused by theft by a person residing with your or who repair your car.

What types of auto insurance are required by law?

California requires drivers to carry at least the following auto insurance coverages:

  • Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum.
  • Property damage liability coverage: $5,000 minimum.
  • Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.

Is Umpd required in Illinois?

No, you do not need uninsured motorist property damage insurance in Illinois – it is optional. Drivers can choose to purchase up to $20,000 in uninsured motorist property damage (UMPD) coverage per accident, or they can go without the coverage.

Is comprehensive insurance required by law?

Understanding Comprehensive Insurance

In most states, the law requires drivers to carry liability insurance, but collision and comprehensive insurance are optional if someone owns a vehicle outright.  If a person has financed the vehicle, the auto loan company might require comprehensive insurance.