The minimum amount of automobile liability insurance that a driver must have in the State of Illinois is $25,000 per person and $50,000 per accident with $15,000 worth of coverage for property damage. This means when a driver carrying car insurance for the state minimum gets involved in an Illinois car accident, the most that his insurer would have to pay any one person involved in the accident was $25,000 and no more than $50,000 in total, regardless of the number of people injured in the accident.The minimum amount of liability coverage is very low and does not go far to cover people who are injured in a serious car accident. When the amount of coverage is insufficient, one of the things that we do as experienced Chicago personal injury lawyers is look to see whether there is any underinsured motorist coverage so that we can make an underinsured motorist claim through the injured person’s own insurance.Also, it is important to note that there are some types of vehicles which must carry higher limits of insurance such as cabs or tractor trailers. For example, trucks must carry a minimum of $750,000 in insurance coverage to cover them in the event of a truck accident.