What Is The Minimum Auto Insurance Coverage In Illinois?

When it comes to auto insurance, Illinois has some of the strictest laws and regulations in the nation. As a result, it is important for drivers to understand the minimum auto insurance coverage requirements for the state. This article will discuss the minimum auto insurance coverage required for drivers in Illinois.

Bodily Injury Liability Coverage

Bodily injury liability coverage is one of the most common types of auto insurance coverage required in Illinois. This coverage is designed to protect the driver in the event they are at fault in an accident and are held responsible for the injuries of another person. The minimum limit for bodily injury liability coverage in Illinois is $25,000 per person and $50,000 per accident. This means that if a driver is found to be at fault in an accident, their insurance policy will pay out a maximum of $25,000 per person and a total of $50,000 per accident.

Property Damage Liability Coverage

Property damage liability coverage is another type of auto insurance coverage required for drivers in Illinois. This coverage is designed to provide compensation for any damage caused to another person’s property as a result of an accident. The minimum limit for property damage liability coverage in Illinois is $20,000 per accident. This means that if a driver is found to be at fault in an accident, their insurance policy will pay out a maximum of $20,000 for property damage.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage is another type of auto insurance coverage required for drivers in Illinois. This coverage is designed to provide compensation for any injuries sustained as a result of an accident with an uninsured or underinsured driver. The minimum limit for uninsured/underinsured motorist coverage in Illinois is $25,000 per person and $50,000 per accident. This means that if a driver is in an accident with an uninsured or underinsured driver, their insurance policy will pay out a maximum of $25,000 per person and a total of $50,000 per accident.

Personal Injury Protection Coverage

Personal injury protection coverage is another type of auto insurance coverage required for drivers in Illinois. This coverage is designed to provide compensation for any medical expenses and lost wages that a driver may incur as a result of an accident. The minimum limit for personal injury protection coverage in Illinois is $5,000 per person. This means that if a driver is in an accident, their insurance policy will pay out a maximum of $5,000 for medical expenses and lost wages.

Conclusion

It is important for drivers in Illinois to understand the minimum auto insurance coverage requirements for the state. Drivers must have bodily injury liability coverage, property damage liability coverage, uninsured/underinsured motorist coverage, and personal injury protection coverage in order to be in compliance with the law. The minimum limits for each of these coverage types is $25,000 per person and $50,000 per accident for bodily injury liability coverage, $20,000 per accident for property damage liability coverage, and $5,000 per person for personal injury protection coverage. Drivers should also consider purchasing additional coverage in order to protect themselves and their assets in the event of an accident.