Illinois Car Insurance Requirements and Laws

  • As with most states, you are required to have car insurance in Illinois. Not only is it the law, it’s a good idea, because it protects you from financial liability in the event of an auto accident.

    In Illinois, you must have two kinds of insurance: property insurance and liability/bodily injury insurance. Here are some things you should know about Illinois car insurance requirements and laws.


    Property Insurance Requirements

    Property insurance covers the cost of property damage to another person’s vehicle in the event of an accident. It also covers the cost of other property, including mailboxes, signs, fences, structures, or pets.

    In Illinois, you must carry at least $20,000 of property insurance coverage per accident.


    Liability/Bodily Injury Insurance Requirements

    Liability/bodily injury insurance covers the costs of killing or injuring others in a car accident. If you’re at fault for an accident, persons who were injured or killed in that accident or their representatives can sue your insurance company for compensation. This includes passengers in your own vehicle.

    In addition to pain, suffering, and lost wages, liability/bodily injury insurance also covers the cost of medical expenses. You must carry a minimum of $25,000 of liability/bodily injury insurance for the death or injury of one person and a minimum of $50,000 of liability/bodily injury insurance for the death or injury of multiple people per accident.

    It is your responsibility to make sure that you are carrying the right amount and kind of car insurance. You are encouraged to carry more than the minimum coverage on your car.

    If you were injured in a car accident in Illinois, you might be entitled to compensation.


    Chicago Accident Attorneys Can Help 

    Dealing with a car accident can be frustrating, especially if you are also dealing with injuries caused by the accident. If you or someone you love has been injured because of someone else, let us help.

    The lawyers at Lane & Lane, LLC can examine the details of your accident and help you determine the best way to move forward. Call us at 312-332-1400 or fill out the form on our website to get started.