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Illinois Auto Insurance: What You Need to Know

Illinois law states that drivers must have auto insurance. Auto insurance is divided into several different areas, however, and it is useful for drivers to understand their coverage.

Although Illinois law sets out minimum levels of insurance coverage that drivers must secure before they can register their vehicles, it is wise to buy more coverage if it is affordable. The damage that an auto accident can cause, in terms of both people's health and property, can be significant.

  • Bodily injury: This type of coverage pays for injuries that a pedestrian or a person in another car suffers in a crash; it may also cover injuries of passengers if they are not related to the driver. Illinois requires auto drivers to secure $20,000 coverage for one person's injury or death in a crash, and $40,000 coverage for two people.
  • Collision: Collision coverage pays for damage to an auto that has been in a crash - whether that is with another auto or another object. Collision will cover the damage to the car no matter who is at fault for the accident, minus the cost of the deductible.
  • Property damage: Property damage coverage includes damage to another car or to a fixed object like a mailbox that was hit by the insured vehicle. Illinois requires $15,000 coverage for damage to another person's property.
  • Medical: Medical coverage is optional, and it pays for medical or funeral expenses of the driver or passengers, or anyone the driver injures.
  • Comprehensive: This type of coverage pays for damage unrelated to an accident, like hail, fire or theft.
  • Uninsured and underinsured motorist (UI/UIM): This type of coverage is important because not every driver on the road is insured or has enough insurance. It will pay for damage that such a driver causes, up to the policy limits. Illinois requires uninsured motorist coverage of $20,000 per injured person and $40,000 per incident.

Remedies for People in Illinois Auto Accidents

In addition to insurance coverage, injured drivers and passengers may have other options. If another driver negligently caused the injuries, the injured parties may be able to sue for damages including medical bills, pain and suffering, and lost wages.

If an insurance company refuses to provide appropriate coverage for an accident, the insured should contact a lawyer to learn about possible legal actions.

  1. "Committed To My Cause"

    I was struck by a car while cycling and severely, almost fatally injured. A team of excellent medical professionals performed complicated and extensive surgical and medical procedures as part of a successful effort to restore my health....
    -Jeff D.

  2. "Could not have made a better choice"

    We found Mark [Mathys] through the web after an auto accident in October 2011. While selecting someone you don't know to represent you can be a gamble, we could not have made a better choice....
    - Dave

  3. "Very satisfied"

    Mark [Mathys] is very professional. He responds almost immediately, via email, to any question, comment or concern I have and if he is not able to respond right away, he will let me know. I have been very satisfied with Mark so far and I am happy to be his client.
    -Jennifer

  4. "Easy to talk to"

    Mr. Mathys and Mr. Schneid were very professional and easy to talk to. Prior to working with them, my wife and I had no real experience with the legal system beyond a house closing, yet Mr. Mathys and Mr. Schneid explained the whole process to us very well. I knew that whenever I had a concern about our case or the legal system in general I could call their office or send an email and receive answers the same day... -Larry

  5. "Provided very wise advice"

    I've dealt with attorneys on a variety of issues, almost all of them since leaving college and entering the workplace. Mr. Mathys was the first attorney I had any real experience with, and I was impressed then and remain so. He provided very wise advice and always kept me informed. In the end, he delivered a favorable result. I recommend him highly.
    - Tyler D.

  6. "In-depth knowledge of the law"

    Mark [Schneid] is an excellent and skilled attorney and demonstrated in-depth knowledge of the law when he helped settle my dog bite lawsuit resulting from a traumatic incident. He explained what was needed of me and how I should handle the situation in a professional manner.
    - Karen K.

  7. "They went to bat for me"

    Not long ago I was involved in a car accident where I was hit by a gravel truck at an intersection. After I called Mathys & Schneid, even though I didn't have a very large case, they made me feel like I was one of their most important cases. They went to bat for me with the trucking company's insurance and got me a settlement. I would definitely recommend them to my family and friends. -Dan H.

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