Illinois Car Insurance Requirements
Illinois Law requires all motor vehicle owners to have minimum amounts of auto liability insurance. In addition, lending institutions may require physical damage insurance to protect their interests in a financed vehicle.
In the State of Illinois the required minimum coverage for bodily injury is $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident.
The required minimum coverage for property damage is $15,000 for injury to or the destruction of property of others in any one accident.
Optional insurance may include Uninsured Motorist Coverage. The total amount of this insurance coverage must be equal to the bodily injury liability limits, unless specifically rejected in writing. The amount of Uninsured Motorist coverage may never be less than that which is legally required for Bodily Injury Liability Coverage.
Liability insurance will cover bodily injury (costs stemming from injury or death to pedestrians or to occupants in another vehicle) or property damage (costs stemming from damage to another person
