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The state of Illinois requires all vehicles on the road to carry liability insurance, specifically a 25/50/25 policy. If you used a loan to purchase your car, the lender will likely require that you obtain full coverage of the vehicle for the life of the loan. There are several elective policies, between the minimum and full coverage, that can cover particular incidents that may arise outside of your control. The Martin Insurance Team, serving the Evergreen Park, IL area, can help determine what insurance you need.
State Minimums
Illinois state law requires a liability policy of a minimum of 25/50/25 coverage. This means that the policy will pay up to:
- $25,000 for medical expenses per individual.
- $50,000 for the total of the medical expenses.
- $25,000 for property damage to the other parties.
Optional Policies
Though you can do your best to avoid accidents, there are things that can happen beyond your control that will result in damage to your vehicle. Your own liability coverage will not cover your vehicle as it would be expected the other person is responsible. Sometimes, nature is responsible.
Uninsured/Underinsured Motorist Coverage
Should someone cause damage to your vehicle and that damage exceeds their coverage, this will cover the disparity.
Medical Payments
Should you be responsible for an accident, liability only medical coverage only pays for the other parties’ medical expenses – not yours. This policy will cover any medical expenses that you may incur should you need to seek treatment.
Auto insurance needs can be as unique as the individual seeking coverage. Full coverage may be overkill for some vehicles, but minimum coverage can lack enough protection. Speak with one of the experienced professionals at the Martin Insurance Team, serving the Evergreen Park, IL area, to learn what policies are available to suit your needs.
