What are the insurance laws in Illinois?

What are the insurance laws in Illinois?

Illinois law requires all motor vehicles registered and operated in Illinois to be covered by liability insurance, which covers property damage and/or injuries you may cause others in an accident. (Trailers are not required to have liability insurance.)

Is Illinois an at fault state?

No, Illinois is not a no-fault state – the state of Illinois adheres to a traditional fault-based system, also called a tort liability system. This means in Illinois, drivers who cause accidents are responsible for paying for them.

Is uninsured motorist coverage mandatory in Illinois?

Illinois requires you to purchase uninsured motorist limits (or coverage) of at least $25,000 per person and $50,000 per accident. Underinsured motorist coverage is included if you purchase higher limits of uninsured motorist coverage.

Does insurance follow the car or driver in Illinois?

In the State of Illinois, auto insurance follows the car. Drivers allowed to use the car, like a family member or anyone under the owner’s insurance, will be covered in case of an auto accident.

What is minimum insurance coverage in Illinois?

Minimum insurance requirements for Illinois The minimum amount of Illinois auto insurance coverage is $25,000/$50,000/$20,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident.

Is Illinois a no-fault state for employment?

Currently, Illinois — like most states — is an “at-will employment” state, which means employers have the right to terminate an employee at any time for any reason, except an illegal one, or for no reason at all and employees are free to leave a job at any time for any or no reason without adverse legal consequences.

What is full coverage insurance in Illinois?

Full coverage insurance in Illinois is usually defined as a policy that provides more than the state’s minimum liability coverage, which is 25000 in bodily injury coverage per person, up to 50000 per accident, and 20000 in property damage coverage.

What is the fine in Illinois for driving without insurance?

If you choose to drive without insurance in Illinois, you can expect penalties including: A fine for driving without insurance coverage, usually of $500-$1000 for a first-time offender, with possible higher fines for repeat offenders. Your license to be suspended. A license reinstatement fee of $100.

Do I have to add my teenager to my car insurance in Illinois?

When do I add my teen driver to my policy? In other states like Illinois, New York, and Virginia a driver with a learner’s permit must be added to the policy before the teen can legally drive that vehicle. The best solution is to talk to your insurance agent.

How much is car insurance per month in Illinois?

Car insurance in Illinois costs $55 per month, on average, or $662 per year. The average cost of car insurance in Illinois is 8% lower than the national average auto insurance premium, and Illinois ranks 28 out of 50 for the most affordable car insurance rates in the U.S.

What’s the penalty for driving without insurance in Illinois?