Illinois Car Insurance Quotes

The tort system is followed in the state of Illinois, which means fault must be determined in an accident and the percentage of  liability for the crash determined. If you are found at fault by 51% or more, you are barred from filing a lawsuit for recovery.  The minimum insurance coverage limits in Illinois for liability coverage is $20,000 per person up to $40,000 per accident for bodily injury and $15,000  for property damage.  This will cover injuries or property damage that you may have caused to someone else in an accident.  You are also required to have uninsured motorist coverage in the amount of $20,000 per person up to $40,000 per accident for bodily injury.  This covers your own injuries if your involved in an accident with an uninsured driver or in a hit and run accident.  The underinsured motorist coverage is required if you purchase a higher limit on uninsured motorist coverage, the purpose of this insurance is to cover the difference between your uninsured coverage and the driver who is at fault liability coverage.  These are the set minimums however it would be prudent to consider purchasing Illinois car insurance with higher limits as they may not cover the value of your vehicle, or have sufficient funds to pay medical expenses or protect you completely from lawsuits.  If you are financing a vehicle, you may be required by the lender to carry collision and comprehensive insurance.  This will pay for damage to your car in the case of an accident, fire, theft or other causes.
If you have any questions regarding auto insurance you can contact an agent online or you can call the customer assistance hotline at the Illinois division of insurance at 866-445-5364.