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.