In the state of Illinois, the minimum limits for automobile liability insurance are $25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage. However, it might be in your best interest to purchase more than is required. With the rise in today’s medical costs and the cost of a potential hospital stay in the event of an accident, the liability limits of your policy in the Prairie State can quickly be exhausted.
As odd as it may sound, you might save more in the long run if you raise your liability limits. It’s for your own protection. Just because the policy limits have been exhausted does not absolve your responsibility in the event of an accident. It might make more sense for you to get quotes for higher limits of liability. You might find that the additional cost is minimal in comparison with the peace of mind they may afford.
Although Illinois residents do not have to provide evidence of insurance when registering a vehicle, it would behoove all residents to make sure coverage is in effect. Coverage is mandatory for cars, vans, RVs, motorcycles, buses, and trucks. However, coverage is not required for trailers.
Illinois drivers are subject to random insurance questionnaires. As a result, you may be randomly selected to complete a questionnaire that requires you to show proof of insurance. If you are stopped by an officer and found to be uninsured while driving, you will be given a citation. You will have to prove to the court that you had insurance at the time you were stopped. If convicted of lacking such insurance, you’ll be subject to a minimum $500 fine and have your license plates suspended. To avoid problems, make sure you have your insurance card in your vehicle at all times.
To get the best possible rate on auto insurance, you should shop around starting here at AutoInsuranceWorld.net! We offer cheap car insurance from reputable companies in Illinois. You can get your free quote at the top of this page or right below.