What Are the Illinois Motorists Minimum Insurance Coverage Requirements?

Illinois motorists are required to have a minimum of insurance coverage. This is in order to protect you and any other victims after an Illinois car accident. If you are injured in an accident, or if you injure someone else, your insurance will cover the medical expenses that were suffered as a result of the accident. It will also cover a limited amount of damage to the vehicles.

Illinois minimum insurance requirement are actually very low. State laws call for coverage in the amounts of $20,000 per person and $40,000 per accident, with $15,000 coverage for property damage. This means that after an accident which you have caused, your insurer may pay up to $20,000 in damages to any one person who was injured in the accident, up to $15,000 for property damage, and a maximum of $40,000 in total.

The $40,000 total is regardless of the number of people who were involved in the accident. Therefore, if there were 3 people injured, and your insurance company awards them the maximum amount of damages, then those 3 people will have to split the $40,000 between them.

To learn more about the requirements for Illinois minimum insurance coverage and what that means for your accident settlement, you can get the professional help of a Chicago personal injury attorney.

If you need to purchase insurance coverage that will protect you in an Illinois car accident, you can visit our article Illinois Motorists Minimum Insurance Coverage Requirements to learn more. 

Getting the advice of a Chicago Personal Injury Lawyer

If you have recently been injured in a Chicago car accident and you have questions about your insurance policy, you should contact a professional who can guide you through this often tricky process. When you have the help of a trusted Chicago personal injury lawyer from the Law Offices of Barry G. Doyle, P.C. you'll get expert legal advice and guidance concerning your long-term needs. Contact us today for a free case evaluation - 312-263-1080