Uninsured Motorist Coverage: Illinois

Should you get uninsured motorist insurance in Illinois? The answer is an indisputable YES. Uninsured motorist coverage is compulsory in Illinois, and 16% of Illinois drivers aren’t insured. In general, uninsured motorist insurance coverage will cover personal injury expenses caused by an uninsured or underinsured driver. Uninsured motorist protection is often called Illinois hit-and-run insurance.

Though you weren’t at fault, you could get stuck with costs stemming from a car accident with an uninsured motorist – if you don’t add uninsured motorist coverage to your car insurance policy, of course!

Whether you want to add an uninsured motorist rider to your old insurance policy or pick up a new plan entirely, we will save you a little money while being insured from the 2,052,901 road users in Illinois that lack auto insurance.

Fortunately, we have partnered with an extensive array of Illinois automobile insurance providers who can offer you uninsured motorist coverage. Enter you zip code to compare rates!

Illinois Uninsured Motorist Law

In Illinois, this type of insurance coverage is required by law. To be thoroughly insured in Illinois, a person needs to have these coverage amounts:

  • $20,000 for injuries sustained by one person in an accident.
  • $40,000 for injuries sustained by all of the individuals in an accident.
  • $15,000 for damage to property caused by an accident.

If she or he does not have this amount of coverage, at minimum, a motorist will be deemed underinsured. In this case, uninsured motorist protection ought to pay the difference between what the driver to blame is able to cover, and how much is owed.

Hit By Uninsured Motorist in Illinois?

Individuals who have been injured by an uninsured driver might have the right to seek compensation for damages or injuries. In 48 states, it’s illegal for a motorist to drive without insurance, and may be regarded as criminal. Needless to say, it’s critical to get legal advice to review your uninsured motorist claim.