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Illinois Motorists Minimum Insurance Coverage Requirements (Part A)

As an Illinois driver, you are required to have a minimum of insurance coverage protection. This insurance will cover medical expenses if you are involved in an Illinois car accident. However, the mandatory state minimums are very low. You may be able to see them listed on the declarations page of your insurance policy. Illinois minimum insurance requirements are for coverage in the amounts of $20,000 per person and $40,000 per accident, with $15,000 coverage for property damage.

If you have any questions regarding Illinois minimum insurance coverage requirements, you can get the advice of an expert Chicago personal injury attorney.

What do these requirements mean?

If you choose to have the basic Illinois minimum insurance coverage, then the most that your insurer will have to pay after an accident for which you are responsible is:

• $20,000 to anyone who was injured in the accident;
• $15,000 for any damage to the vehicle; and
• $40,000 in total for an accident.

The $40,000 in total is regardless of the number of people that are involved. This means that if there are 5 people injured in an Illinois car accident which you caused, then the victims will have to share a total $40,000. And the most that any one victim can receive is $20,000.

In comparison to the damages that usually result from an Illinois car accident, Illinois minimum insurance requirements are actually very low. They only provide full compensation in accidents with minor damages. In the case of a serious accident, the minimum coverage will not fully compensate an accident victim who has suffered serious, long-term, or permanent injuries.

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