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Illinois Motorists Minimum Insurance Coverage Requirements (Part B)

Beyond the Illinois Minimum Insurance Requirements

Policies are often written for larger amounts than the Illinois minimum insurance requirements. Some common alternatives are for $25,000 per person and $50,000 per accident, or $100,000 per person and $300,000 per accident. Policies can also be written with a single maximum limit, in which one victim can receive the entire amount. These are sometimes referred to as single limit policies, or combined single limit (CSL) policies. CSL policies are generally written for larger limits such as $250,000, $300,000 or $500,000.

Do I need to have uninsured motorist coverage?

Illinois minimum insurance requirements do not include uninsured motorist coverage (UM), but an experienced Chicago personal injury lawyer will recommend that you purchase it anyway. This will protect you in the case of an accident with someone who does not have insurance coverage. It will pay for your damages if the other driver:

• Never obtained valid insurance coverage;
• Let their insurance policy expire;
• Had their policy cancelled because of non-payment; and
• The other driver (you) was excluded for coverage on their policy.

By claiming uninsured motorist benefits, you can receive compensation for medical expenses, lost wages, pain and suffering, disability, and disfigurement.

Should I buy more than the Illinois minimum insurance requirements?

You should always buy as much insurance coverage as you can comfortably afford. Uninsured motorist coverage, underinsured motorist coverage, and medical payments coverage will cover your family's medical expenses in the event of an Illinois car accident. And the cost increases between the amounts of coverage are less than you would expect. In fact, the increases in premiums are comparatively small to the increases of coverage received.

If you are a first-time buyer of insurance protection, or simply need to renew your policy, you may want to get professional advice before you choose your coverage.

Getting the Advice of a Chicago Personal Injury Lawyer

You should be knowledgeable, and aware of what you are going to receive when purchasing car insurance coverage. In the event of an accident, you can get the advice of a professional Chicago personal injury lawyer who will be able to examine your policy and determine whether your insurance policy will address your financial needs.

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.

The Law Offices of
Barry G. Doyle, P.C.
5215 Old Orchard Road
Suite 710
Skokie, IL 60077
Phone: 312.263.1080
Fax: 312.263.0153

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