Under Illinois state law, drivers are required to have a certain level of car insurance coverage in place. The minimum level of coverage is $20,000 in bodily injury liability coverage for the injuries sustained by one person in the accident. For multiple victims of the same incident, the limit increases to $40,000 in bodily injury liability coverage.
Bodily injury liability insurance coverage is designed to protect the occupants of the other vehicle after an accident has occurred. It also pays for funeral expenses if the accident proves to be a fatal one. This type of liability coverage pays for medical bills, rehabilitation expenses, lost wages and pain and suffering after the accident.
The other minimum requirement for car insurance in Illinois is that drivers need to have $15,000 in property damage liability coverage in place. This portion of the insurance policy compensates a property owner for damages. Not only does it pay for the cost of repairing the other vehicle, but it also covers damage to objects like sign posts, fences, mail boxes and other buildings stemming from the accident.
Minimum levels of car insurance coverage are what you must buy to stay legal. You can choose to buy a higher level of protection if you wish. This may be a wise move, since the minimum level of coverage may not be enough to fully protect you in the case of a serious accident.