Auto Insurance in Illinois

Illinois is one of the most populous states in the nation. Located in the Great Lakes Region and home to several major cities such as Hanover Park, IL, there are a lot of vehicles on the road at any given time with commuters, people headed to sporting events, and visitors from all around the world. This increases the potential for accidents, which means that you need a good auto insurance policy.

Illinois Auto Insurance Legal Requirements

The biggest aspect of finding the right insurance for your vehicle means staying current on Illinois coverage and any minimums for each type. Keep in mind that the minimum coverage limits are merely a starting point, and many increase their coverage limits for additional protection.

Also, anyone leasing or financing their auto may be required to invest in higher limits and will require additional coverage that full-fledged car owners can consider voluntary. Here is a list of the mandatory and optional coverage types for auto insurance in Illinois.

• Bodily Injury Liability: Covers costs related to the death or injury of another driver
• Property Damage Liability: Covers expenses related to damage to another’s property like vehicles, homes, and buildings
• Underinsured/Uninsured Motorist: Helps cover personal medical expenses when the other party is at fault and has insufficient or no coverage
• Collision: Optional coverage that covers the repair or replacement cost of your vehicle
• Personal Injury Protection: Covers costs for drivers and passenger’s medical care or funeral expenses related to an accident

Mandatory coverage limitations will be stated in your policy. Illinois law does not require Personal Injury Protection or Collision, but your finance or leasing company may require it.

Next Level Insurance Agency Is Here To Help

We are pleased to offer a wide range of insurance services, and you can contact us at Next Level Insurance Agency to learn more about your auto insurance coverage options. We service residents of Hanover Park, IL, and the entire state and beyond. Get a quote today to get started.