The state of Illinois follows a Tort system
meaning someone must be found to be at fault for causing the
accident, and that person and their insurance company is
responsible for all the damages. You should be aware that the
details of a tort system vary from state to state and it is best
to check with your state insurance regulator. Visit our
State
Insurance Regulators page for a list of links to all the
state insurance regulators websites.
Illinois state law requires minimum Bodily
Injury Liability coverage of $20,000 per injured person up to a
total of $40,000 per accident, and Property Damage Liability
coverage with a minimum limit of $15,000. This basic coverage is
often referred to as 20/40/15 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. While Illinois state law
does not require a minimum Personal Injury Protection, some
insurers offer this as an optional coverage.
To help protect against damages caused to
you and your passengers by an uninsured driver, Illinois state
law requires a minimum Uninsured/Underinsured Motorist coverage
of $20,000 per person, $40,000 per accident for any bodily
injury caused by the uninsured driver.
