When looking to drive in Illinois, there are several things you need to consider for your car, and one of the most important among them is your insurance.
As you may well know, certain aspects of insurance can vary from state to state, so it’s highly beneficial to know what car insurance you need before you drive in Illinois.
Therefore, this article will guide you through car insurance in Illinois, including the minimum Illinois vehicle coverage, other types of coverage you can get, and what insurance extras you could benefit from.
Read on to learn more.
Minimum coverage requirement for Illinois
Every state will have their own specific laws when it comes to the minimum insurance required to be a legal road user.
In Illinois, the legal requirement for car insurance is to have liability coverage for your vehicle. This type of insurance acts as a third-party cover, and comes in two parts – bodily injury liability and property damage liability.
Bodily injury liability is a type of coverage that helps towards any damages to another person who’s not in your car whilst driving.For example, this could be an incident where you collide with another car and injure the person inside. The insurance would help towards the cost of that person’s medical bills, for instance.
Property damage liability is a form of coverage that applies to any damage you cause to another person’s property. For example, this will help cover the cost to replace or repair a person’s wall if you collide with it whilst driving.
This is the minimum legal requirement, so ensure you have this type of coverage first and foremost before you start driving in Illinois.
Different types of beneficial coverage
The above coverage is only the minimum, but that’s not to say there aren’t many other types of coverage which you should definitely consider for your car. This can include:
• Uninsured/underinsured motorist bodily injury cover
This type of coverage is there to help cover the cost of any injury made to yourself if you’re involved in an accident with an uninsured or underinsured motorist.
For instance, you could have a collision with another driver, only to find out this person is illegally driving without insurance, or that their current cover is sufficient for your situation.
Your coverage will then help cover the cost of medical bills and any lost wages that result from this accident.
Unfortunately, not everyone abides by the rules, so this is a great insurance option to protect you against the large costs of these accidents.
• Comprehensive coverage
Comprehensive coverage is also known as an “act of god” cover, which is fitting since it covers you for any damage that occurs to your car that isn’t from an accident.
This can include various things, such as a collision with an animal on the road, vandalism, or a tree foaling on your car, for example.
In these cases, your insurance will help repair or replace any damaged parts for your vehicle, and get you back on the road as fast as possible.
Great insurance extras to have
If you choose the right insurance provider, you can gain access to a variety of great insurance extras, which will be highly beneficial for driving around Illinois.
For instance, you could receive emergency roadside assistance, which will get help sent out to you if you end up stranded somewhere due to a certain incident. This could be a flat tire that needs inflating or an emergency tow.
You can also receive temporary transportation coverage. It can be difficult if your car is in the shop and you still need to get about the city. Therefore, this cover will help towards the cost of alternative transport, like Uber or bus and train fares.
With these simple yet effective extras from an expert provider, you’ll have everything you need to make your travel around Illinois as enjoyable as it deserves to be!
