Auto insurance provides coverage for a variety of different situations. However, what’s covered will vary depending on the type of insurance that you have. Our team at Arial Insurance Group is committed to helping our Chicago, IL customers understand what their auto insurance covers.
Illinois Auto Liability Coverage Requirements
Drivers must carry liability insurance to legally drive within the state of Illinois. Liability insurance provides personal injury and property damage coverage if you’re at fault for someone else’s injuries or property in an accident.
According to Illinois state law, all drivers must carry liability insurance that meets the state minimum coverage requirements. All drivers must purchase auto insurance that provides $25,000 per person and per accident for injury or death. Also, drivers are legally required to carry $50,000 for injury to more than one person per accident. Drivers must also carry $20,000 in property damage coverage per accident.
Auto liability insurance will cover any injuries or property damage if you’re at fault. This includes damage to your neighbor’s mailbox. In fact, liability insurance would cover damage to any property you damage as well as any injuries if you’re deemed responsible. Liability insurance is designed to pay for property damage and injuries to others when you are at fault.
However, the required minimum coverage amounts have limits. This means that you’re personally responsible for any damage or injuries that exceed the minimum coverage amounts. However, you can always purchase more than the state minimum auto insurance, if you think you need it. However, it’s best to discuss how much coverage you need, as well as the type of coverage that would best meet your needs.
Give Us A Call
Our team at Arial Insurance Group can help Chicago, IL customers determine how much insurance they need to purchase as well as what’s covered by their auto insurance policy.