Illinois Car Insurance Requirements Different
When you buy Illinois car insurance, you’ll find at least one requirement which is not present in most other states. In Illinois, you are required to have coverage for uninsured and underinsured motorists. That covers some of your expenses if the other driver did not have insurance. It also helps with your expenses if your expenses are greater than the limits of his insurance coverage.
This requirement is for coverage to bodily injury only, not property damage.
Ultimately, this coverage benefits you. If the other driver’s insurance is inadequate to cover your bodily injuries, this Illinois car insurance requirement forces your own insurance to provide some minimum amount of coverage.
Coverage Limits for Illinois Car Insurance
Minimum coverage requirements in Illinois are fairly typical. The minimum coverage for liability insurance is $20,000 per person and $40,000 per accident.
For property damage, the minimum coverage must be $15,000.
Illinois car insurance minimums for uninsured motorist and underinsured motorist is $20,000 per person. Total coverage per accident must be at least $40,000. This coverage is for bodily injury only and does not cover property damage.
What if you don’t have insurance?
When you register your car in Illinois, you don’t have to prove that you have Illinois car insurance. You do have to agree that you will have at least the minimum coverage required by law.
If you are found not to have the required coverage, you can be fined a minimum of $500 and your license plates suspended!
How Do They Know You Are Not Covered?
The Illinois car insurance folks send out questionnaires randomly. They ask you to supply the company and the policy number. Then they check with the insurance company.
They also check for insurance at traffic stops. Show an insurance card which shows that you are covered by Illinois car insurance and you’re OK. Don’t have one? Your life will be more complicated for a period. And more expensive.
No matter where you drive, you’ll probably want more than the required minimum coverage. Unless your car is close to worthless, you’ll probably want collision and comprehensive insurance. These coverages will cover damage to your car if in an accident (collision coverage) or damage due to a non-accident (comprehensive coverage.)
Because of the heavy traffic in the Chicago area the risk of an accident will be higher. If you live in that area, the premium for your Illinois car insurance will no doubt be higher than if you lived in a rural area.
Discounts! Always Ask For Discounts!
There are many discounts available to those buying Illinois car insurance. Multi-car discounts are common. And if you have your home insured by the same company, you can probably get a discount for that.
Be sure to ask!