Auto Insurance

Auto insurance provides coverage for vehicles and their drivers in case of accidents, theft or other types of damage. The purpose of auto insurance is to provide financial protection for drivers and their vehicles, as well as to help cover the costs associated with any damage or injuries that may occur as a result of a car accident.

Auto insurance policies can vary in terms of coverage and price, depending on factors such as the driver’s age, driving record, type of vehicle and location. Common types of auto insurance coverage include liability insurance, which covers damage to other people and property caused by the insured driver; collision insurance, which covers damage to the insured vehicle in case of an accident; and comprehensive insurance, which covers non-accident-related damage such as theft, fire and natural disasters.

Most states in the US require drivers to have some form of auto insurance coverage, and it is generally recommended that drivers carry enough coverage to protect themselves in case of an accident.

In Illinois, drivers are required to have the following minimum auto insurance coverage:

  1. Liability Coverage: Drivers must carry liability coverage for bodily injury and property damage with the minimum coverage limits of:
  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $20,000 per accident for property damage
  1. Uninsured Motorist Coverage: Drivers must also carry uninsured motorist bodily injury coverage with minimum limits of:
  • $25,000 per person
  • $50,000 per accident
  1. Underinsured Motorist Coverage: Underinsured motorist bodily injury coverage is also required with minimum limits of:
  • $25,000 per person
  • $50,000 per accident

Note that while these are the minimum requirements, it is strongly advisable for most individuals to purchase higher coverage limits to ensure adequate protection in the event of an accident. Additionally, drivers in Illinois are required to carry proof of insurance with them at all times while operating a vehicle.

Essex Insurance Brokers can help you determine the right amount of coverage for your auto. Call us at (847) 954-2222 or email us at [email protected].

Illinois SR-22

What is SR-22 Mandatory Insurance Supervision? For answers click here.