Guide to Choosing Illinois Auto Insurance Coverage

In today’s litigious society, it is often a good idea to carry more auto

insurance than the minimums the law mandates. Almost every state requires some

sort of minimum coverage to be held by motor vehicle owners. Sadly, in many

cases, these standards barely provide enough to cover minor injuries and damage,

let alone major medical expenses or vehicle repairs. Therefore, if you are more

than just the occasional driver, and you can afford it, it is probably in your

best interest to go with the industry recommended coverage amounts. Not only

will they provide better coverage, but they will also offer peace of mind.

In the state of Illinois, minimum coverage amounts are only 20/40/15. This means

a driver is covered up to $20,000 for bodily injury, $40,000 for physical

damage, and $15,000 for liability, as compared to 100/300/100 as recommended by

industry standards and consumer groups. If you’ve ever gone to the hospital for

any type of operation or even just a check-up, you know how quickly the bills

can add up, and even minor repair costs on luxury automobiles can be higher than

the state minimums.

Illinois law also requires that uninsured or underinsured coverage be included

in a policy in the event a driver is involved in an accident with someone not

carrying the required policy minimums. The policyholder has the right to reject

this coverage, but it often costs very little and carrying at least the minimum

is a good idea. There is also the option of comprehensive and collision

coverage. Depending on the vehicle or vehicles being driven, these options

should also be considered. They cover such things as hail, blown tire, and fixed

object damage, such a backing into a light pole, etc. A five-hundred dollar used

car probably won’t warrant these extras, but with more expensive vehicles, where

repair costs can accumulate quickly, they are highly recommended. When your car

has its windshield smashed by vandals or you back into that concrete post,

you’ll be glad you have them.

When looking for Illinois auto insurance, not only policy affordability and legal

requirements should be considered, but also how often, when, and where the

policyholder will be driving, as well as if any other drivers will be operating

the vehicle. These factors, as well as finding a trusted and reliable insurance

agent should be weighed when deciding the types and amounts of vehicle coverage

needed.

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