Car Insurance Illinois

Repairing or replacing your car is covered by collision insurance if you're in an accident, or comprehensive insurance for all other situations. It's best to have the largest deductible you can afford of $500 or more. This coverage isn't required for car insurance in Illinois, so if your car is no longer of much value, you can eliminate this protection.

Property and bodily liability coverage are a necessary part of car insurance in Illinois. They take care of property you damage and people you hurt in an accident. Bodily liability also pays for your legal defense of a lawsuit. The state minimums for coverage are too low for adequate protection and you should consider $50,000 for property liability and $100,000 per person bodily liability as reasonable minimums.

The treatment for accident injuries of you and your passengers is covered with medical protection. You may not need this coverage if you already carry a total health plan. The law allows you to drop this coverage from car insurance in Illinois, but you may want to keep a small amount as protection for your passengers.

Uninsured or underinsured driver protection is a required part of car insurance in Illinois. It covers your bills when a driver with little or no insurance causes an accident with you. For sufficient protection for you and your passengers, it's recommended you have at least $50,000 of this coverage.