Auto Insurance Coverage In Illinois - In Illinois, drivers are required by law to have auto insurance to protect themselves and other drivers/passengers in the event of an accident. Unfortunately, however, about 15 percent of drivers in the state are uninsured. Illinois increased penalties for driving without insurance in January 2012, and now has some of the harshest penalties in the country, but driving without insurance remains a problem.
In Illinois, drivers found guilty of driving without the minimum insurance required by law will receive a three-month driver's license suspension. To reinstate a license after a period of suspension, a driver must pay a reinstatement fee of $100. The following convictions entail such penalties as:
Auto Insurance Coverage In Illinois
To comply with Illinois' mandatory insurance law, drivers must carry two types of insurance.
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Driver's liability insurance is designed to cover the costs of damages caused by other parties involved in an accident if the insured driver is at least partially at fault. There are two types of liability insurance; Liability for bodily injury and liability for property damage. In Illinois, drivers must carry liability insurance for the following minimum amounts:
Uninsured/underinsured motorist insurance is designed to cover the costs of injuries to the driver and his/her passengers in the event that an accident is caused by an uninsured driver or a driver who does not have adequate car insurance. In Illinois, drivers must have UM coverage for the following amounts:
In many cases, the minimum insurance coverage required by law may not be enough, and drivers may end up paying the bill for serious injuries or property damage. Various other types of auto insurance are available designed to offer Illinois drivers additional protection. Most Illinois auto insurers offer the following types of supplemental auto insurance:
High-risk drivers may have difficulty obtaining insurance. These drivers can apply for a policy through the Illinois Auto Insurance Plan; a plan that allows insurance companies to spread the risk of coverage.
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To make sure drivers meet the minimum insurance requirements, the state of Illinois monitors vehicle insurance by checking proof of insurance during traffic stops and randomly sending out computerized questionnaires asking the recipient to provide the name of the insurance company and policy. number.
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Not all Illinois auto insurance policies are the same, and many have fine print or hidden exclusions that could affect your insurance claim. Rest assured, you can rest easy knowing that your insurance policy protects you and your family no matter the situation.
Auto insurance protects you against financial losses, such as car repairs, medical bills, and legal services, that can result from a car accident.
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Illinois law (625 ILCS 5/7-601) requires all motor vehicle owners to carry a minimum amount of liability insurance. In addition, lending institutions may require physical damage insurance to protect their interests in the financed vehicle.
All too often we see customers or talk to friends and family members and realize they are either trying to get the cheapest car insurance in Illinois or paying for something they shouldn't. It's hard to get a general understanding of what "you personally" need in your insurance policy because so much is hidden or confusing - that's why Shuman Legal is committed to offering FREE policy reviews/audits to anyone in Illinois. .
Car owners need very specific coverage, and the tragic fact is that car insurance policies are NOT required by law to cover what most people consider to be pretty basic things. MAKE SURE you have the insurance you need to protect you, your car and your family from financial loss.
Get a FREE insurance review from one of our experienced personal injury attorneys. We do NOT sell insurance, so we do not have an in-game skin. Apply now! The more you know, the better you can protect yourself and your loved ones.
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The difference between the cheapest and most expensive insurer for the minimum policy is more than $1,600, which shows how important it is to weigh all your options.
More than 2 million people call Chicago home, and millions more travel to the Windy City every day. With driving comes car insurance, and many Chicagoans need to purchase or renew a policy every six months. Finding the best deal can take a long time and it can be difficult to know where to start your search. Keep in mind that rates can vary by hundreds or thousands of dollars depending on your experience and where you shop.
Chicago is the largest city in the state of Illinois and the third most populous city in the country. Not surprisingly, insurance rates in the city tend to be higher than the state average. In fact, insurance rates in Chicago are $320 higher than the national average.
State Farm is the cheapest insurer widely available with an annual rate of $716. Another option to consider is Country Financial, which has a rate of $838 per year.
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Current and former military members and their families can also get an offer from USAA, which is the best low-cost option for just $556 a year, or about $46 a month. The company also has a reputation for excellent customer service and discounts on vehicle storage.
The cheapest insurance policy is the one with the least amount of coverage required to legally drive in Illinois (in other words, the minimum coverage policy). State Farm has the best rate for drivers looking for a minimum policy, but it's important to remember that your driving history and profile can make your score very different from the one above.
State Farm not only has the cheapest minimum policy, but also the cheapest full coverage policy. Progressive has the second-cheapest full-coverage policy, but it may not be the best alternative to State Farm because it's $648 more expensive on average.
Former and current military personnel should look to USAA for policy quotes because the company has the most affordable prices overall.
Liability Insurance: How To Stay Protected
Most drivers in Illinois have insurance. Comprehensive coverage protects you against losses caused by “acts of nature” or events that are completely outside of your control. Here are some examples:
Collision coverage is what you rely on when you collide with another car or object. Most car accidents are covered by accident coverage guidelines. For example, it will insure you when:
Comprehensive collision insurance is designed to protect your vehicle in the event of an accident. A comprehensive policy is recommended if you lease or finance your car, your car is less than 10 years old, or your car is worth more than $3,000. Otherwise, you will spend more on insurance than on the car itself.
Accidents will have one of the biggest impacts on your auto insurance premium. If you have a history of accidents, your insurance company will likely raise your premium because they consider you a higher risk. Some companies will increase insurance premiums
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