The Basics of Auto Insurance Coverage Levels in Chicago, Illinois
Like so many other things, car insurance policies aren’t one-size-fits-all. Rather, they can be customized to fit the needs of customers on an individual basis. Here’s a brief overview of the basics of coverage levels provided by any auto insurance agency in Chicago.
Minimum Liability Coverage
Minimum auto insurance requirements in Illinois are higher in dollar value and broader in scope than most other states. Here’re the specifics:
- $20,000 per person and $40,000 per accident for both bodily injury liability coverage and uninsured motorist bodily injury coverage.
- $25,000 per person and $50,000 per accident for underinsured motorist coverage.
- $15,000 for uninsured motorist property damage coverage with a deductible limit of $250; some drivers may be asked to have higher or lower deductible amounts.
- $15,000 total for property damage liability coverage.
Illinois is different in that its minimum required coverage for underinsured and uninsired motorists is broader andof a higher dollar amount than most other states.
The Difference Between Liability, Collision, and Comprehensive
Comprehensive coverage covers damages from vandalism and natural disasters, among other things, in addition to what’s provided by collision and liability. Collision covers other parties’ damages and drivers’ personal damages, though only those that stem from accidents. Liability coverage just covers others’ damages.
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