Illinois Car Insurance Laws

If you are a driver in Illinois, you should be aware of the basic laws governing what type of insurance you carry.

Liability Coverage

Carrying liability coverage is mandatory in the state of Illinois, as in all other states. In Illinois, the amount of liability insurance that a driver must carry is referred to as 20/40/15, which means that the minimum required would allow for up to $20,000 per person in an accident, but be limited to $40,000 to be spent on medical expenses total.

The “15” refers to the amount of property damage covered, which would be $15,000. If you are carrying this minimum amount of insurance and are the cause of an accident that injures others, your insurance should pay up to those amounts for the people you injured. If damages to others are higher, you may be sued for the remaining amount.

In Illinois, uninsured or underinsured motorist coverage is also included in liability coverage. This helps take care of you if another driver causes an accident that injures you, but he or she does not have sufficient insurance to cover your losses and damages.

Proof of Insurance

Drivers in Illinois are required to carry proof of their insurance coverage at all times. If a law enforcement officer asks to see this, you must present your current insurance card.

Enforcement Questionnaires

Drivers with registered vehicles are drawn at random and sent questionnaires about their insurance policies to make sure that they are lawfully insured. If they do not have adequate insurance or fail to return the questionnaire, their vehicle registration will be suspended.

Contact Us

These are just some of the laws governing car insurance in Illinois. If you are seeking insurance, contact our Illinois insurance experts by calling Insure on the Spot today at 888-972-SAVE for more information and assistance finding a policy.