Illinois state law requires every driver to carry a minimum of $20,000/$40,000 of underinsured motorist coverage. This coverage is in place to compensate car accident victims for their injuries in the event the at-fault driver was not carrying sufficient bodily injury liability insurance.If the at-fault driver in your car accident only had the basic coverage for BIL, your injuries will only be covered up to $20,000. After this, it’s up to your own underinsured motorist coverage limits to make up the difference. If you also chose a basic policy, your total coverage by the insurance companies will not exceed $40,000 for injuries.If you sustained serious injury in your car accident and need to seek compensation for expenses beyond what the car insurance offers, you may need to file a personal injury lawsuit. A Chicago car accident lawyer from the Law Offices of Barry G. Doyle, P.C. can help you examine your coverage and file your claims.We offer more information on the 4 types of car insurance every Illinois driver must have in our article library. Take the time to review your own car insurance policy before hitting the road again. Having good underinsured motorist coverage limits may save you headaches down the road if you’re involved in a serious car accident. An experienced Chicago car accident lawyer at The Law Offices of Barry G. Doyle, P.C. is available to help you file your car accident claim if you need to recover compensation for your wage losses, medical bills and more, contact us today for a free case evaluation. (312) 263-1080