Illinois Car Insurance Laws

Make sure you prepare for the differences in insurance laws whether you are moving to Chicago or anywhere else in Illinois. Find an agent through a local online directory so you can be sure the advice you get on Illinois requirements and special discounts are available with your company in your area. State of Illinois law mandates that all motorists carry Bodily Injury Liability, Property Damage Liability, and Uninsured Motorist Bodily Injury coverages.

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$20,000 Bodily Injury Liability (per person)
$40,000 Bodily Injury Liability (per accident)
$15,000 Property Damage Liability
$20,000 Uninsured/Underinsured Motorist Bodily Injury (per person)
$40,000 Uninsured/Underinsured Motorist Bodily Injury (per accident)

According to Illinois state law, if a driver increases the limits of Uninsured Motorist coverage on the policy, they must also carry Underinsured Motorist coverage to the same benefit limits. Insurance companies usually bundle the Underinsured and Uninsured Motorist coverages in order to be less confusing to the insured. Insurance companies often refer to these Illinois state minimums as 20/40/15 coverage with 20/40 UM limits.

Drivers should also be aware of the way Illinois handles accident resolution in addition to these required coverages. Illinois is an at-fault state. Illinois auto insurance claim laws assign fault in an accident. The state courts hold the person, and their insurance company, responsible for all damages resulting from the accident.