Does Illinois Have No Fault Auto Insurance?

What is No Fault Auto Insurance?

No fault auto insurance is a type of insurance that provides coverage for medical expenses and lost wages for the driver and passengers of the insured vehicle regardless of who is at fault for the accident. This type of coverage is offered in twelve states that have passed no-fault auto insurance laws. These states include Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. No fault auto insurance is also referred to as Personal Injury Protection or PIP.

Does Illinois Have No Fault Auto Insurance?

No, Illinois does not have no fault auto insurance. The state of Illinois does require drivers to have certain minimum levels of liability insurance, but this type of insurance does not provide coverage for medical expenses and lost wages for the insured driver and passengers regardless of who is at fault for the accident.

What Types of Insurance are Available in Illinois?

In Illinois, drivers are required to carry liability insurance, uninsured motorist coverage, and personal injury protection (PIP) coverage. Liability insurance covers damage to another person's property, medical expenses, and other costs incurred due to an accident for which the insured driver is responsible. Uninsured motorist coverage provides coverage for medical expenses, lost wages, and other costs related to an accident caused by a driver who does not have liability insurance. PIP coverage provides coverage for medical expenses and lost wages for the insured driver and passengers regardless of who is at fault for the accident.

What are the Requirements for Auto Insurance in Illinois?

In Illinois, drivers must carry liability insurance with the following minimums: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage. Drivers must also carry uninsured motorist coverage with the following minimums: $25,000 per person and $50,000 per accident. PIP coverage is not mandatory in Illinois, but it is available from most insurance companies.

Conclusion

In conclusion, no fault auto insurance is not available in Illinois. The state does require drivers to carry liability insurance, uninsured motorist coverage, and personal injury protection (PIP) coverage. Liability insurance covers damage to another person's property, medical expenses, and other costs incurred due to an accident for which the insured driver is responsible. Uninsured motorist coverage provides coverage for medical expenses, lost wages, and other costs related to an accident caused by a driver who does not have liability insurance. PIP coverage provides coverage for medical expenses and lost wages for the insured driver and passengers regardless of who is at fault for the accident. Drivers must carry liability insurance with the following minimums: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage. Drivers must also carry uninsured motorist coverage with the following minimums: $25,000 per person and $50,000 per accident.