How Does Car Insurance Work in Illinois?

If you were recently involved in a car accident in Chicago, IL, you may be wondering, “How does car insurance in Illinois work?” Understanding the insurance system is fundamental to obtaining the compensation you deserve after someone else’s negligence harms you.

For over 10 years, Attorneys of Chicago Personal Injury Lawyers has helped accident victims throughout Illinois recover fair compensation after they were injured in car accidents caused by other drivers. Super Lawyers and National Trial Lawyers have recognized us as Top 100 and 40 Under 40. We have recovered tens of millions of dollars for our deserving clients. 

Contact us today to schedule a free, no-obligation consultation at (312) 929 2884 with an experienced Chicago car accident lawyer

How Can Attorneys of Chicago Help With My Car Insurance Claim?

How Can Attorneys of Chicago Help With My Car Insurance Claim?

If you are involved in a car accident, you might be confused about your legal rights. An experienced car accident lawyer from Attorneys of Chicago can discuss your claim, identify who is responsible for your injuries, and review the applicable insurance policies. 

We can handle all the legal details of your case while you focus on healing, such as:

  • Calculating all of your damages
  • Handling all the communications and paperwork
  • Hiring experts as needed to bolster your claim
  • Negotiate for a fair settlement on your behalf
  • File a lawsuit if necessary

Our attorneys have over 30 years of combined legal experience that we can leverage to demand the maximum compensation you deserve. Contact us today in Chicago, Illinois, for your free consultation. 

Illinois Is an at Fault State

Most states use either a no-fault system or an at-fault system for car accidents. In a no-fault system, accident victims generally turn to their own insurance for coverage after an accident, regardless of fault. In at-fault states, the driver responsible for the accident is responsible for paying the victim for their damages. 

Illinois is an at-fault state. However, motorists have the option of purchasing additional insurance that allows them to proceed like they would under a no-fault system. 

How Liability Insurance Works in Illinois

If you are involved in an accident that was someone else’s fault, you will call their liability insurance company and make a claim. In Illinois, the minimum amount of coverage each driver must carry is:

  • $25,000 for injury or death to one person
  • $50,000 for injury or death to more than one person 
  • $20,000 in property damage 

If your damages exceed the amount of insurance that is available, you could sue the at-fault driver or investigate if anyone else’s negligence contributed to the accident. You may also have insurance that applies. 

Other Types of Insurance That May Apply

You are only required to maintain insurance to pay for other people’s damages if you are in a car accident in Illinois. However, you can purchase auto insurance that pays for your damages through various types of policies, including:

Collision Coverage

Collision coverage pays for damages to your own vehicle if you are involved in an accident, regardless of fault. This includes collisions with other vehicles, as well as with fixed objects like a pole or tree. 

Comprehensive Coverage

Comprehensive coverage pays for physical damage caused by reasons other than collisions, such as theft, fire, or hail. 

Medical Payments

This type of insurance in Illinois is similar to Personal Injury Protection (PIP) coverage in no-fault states. It pays for medical and funeral expenses for you and your passengers who are injured or killed in an accident, regardless of fault. 

Gap Coverage

Gap coverage pays the difference between your vehicle’s cash value and what you owe on your car loan or lease. Some lenders require gap coverage if you finance your vehicle. 

Additional Optional Coverages 

You can add optional coverage to your auto insurance policy at an additional cost for benefits or coverage such as:

  • Accidental death benefit
  • Rental reimbursement
  • Towing service
  • New or upgraded vehicle replacement 
  • Custom or non-factory equipment replacement 

When purchasing insurance, you should carefully consider whether the extra amount you pay will be worth the additional coverage. 

Uninsured Motorist Bodily Injury Coverage

Uninsured motorist bodily injury coverage (UM) pays for medical expenses if an uninsured driver causes an accident. The minimum amount of the policy is equal to the minimum bodily injury coverage for liability insurance, but you can purchase additional coverage at a premium.

Underinsured Motorist Bodily Injury Insurance 

Underinsured motorist bodily injury insurance (UIM) pays for medical expenses that exceed the amount of the at-fault driver’s liability policy. 

Uninsured Motorist Property Damage

This type of insurance covers your vehicle damages when the at-fault driver is uninsured. It can pay up to $15,000 in property damage and has a $250 deductible. 

Contact Our Award-Winning Chicago Car Accident Lawyers for a Free Case Assessment

If you were injured in an accident caused by someone else’s negligence, an insurance claim may be able to provide you with fair compensation for your medical expenses, lost wages, pain, and suffering. 

At Attorneys of Chicago, we’re here to help every step of the way. Our car accident attorneys are very familiar with Illinois insurance laws and can help prepare your claim for maximum compensation. Call us today for a free case review.