Overview
Illinois requires every driver to carry liability insurance of at least 25/50/20, meaning $25,000 in bodily injury coverage per person, $50,000 per accident, and $20,000 for property damage. Drivers must also carry uninsured motorist coverage at the same 25/50 limits. These minimums are often not enough to cover a serious crash, which is why so many injured victims end up going after the at-fault driver directly. Injury Case Pro can connect Illinois accident victims with attorneys who know how to pursue full compensation even when insurance limits fall short.
Frequently Asked Questions
What are the minimum auto insurance limits in Illinois?
Illinois law requires drivers to carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $20,000 in property damage coverage, often written as 25/50/20. Every policy must also include uninsured motorist bodily injury coverage at the same 25/50 limits. Driving without at least these minimums is illegal and can lead to fines, license suspension, or worse if you cause a crash.
Is 25/50/20 coverage enough after a serious accident?
Often not. A single serious injury, like a broken bone requiring surgery or a hospital stay, can easily cost more than $25,000, let alone the combined costs of multiple injured people in the same crash. When the at-fault driver's minimum policy isn't enough to cover your medical bills and lost wages, you may need to look at your own underinsured motorist coverage or other sources of recovery.
What happens if the at-fault driver only has the state minimum?
If your damages exceed the at-fault driver's policy limits, you can still pursue the difference through your own underinsured motorist coverage, if you carry it, or in some cases directly from the at-fault driver's personal assets. This is one of the main reasons it helps to have someone review your policy and the other driver's coverage early in your claim.
Does Illinois require any other type of auto coverage?
Beyond liability and uninsured motorist coverage, Illinois doesn't require drivers to carry collision, comprehensive, or medical payments coverage, though many drivers choose to add them for extra protection. Lenders financing a vehicle will typically require collision and comprehensive coverage as a condition of the loan. Reviewing your own policy before an accident happens is the best way to know what protection you actually have.
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Get A Free Case Review →This page is for general informational purposes only and does not constitute legal advice. Laws vary by state and every case is different. Contact us to discuss the specific facts of your situation.
