Although many people believe they can rely upon insurers to provide them with adequate compensation, unfortunately, this is not always true. Under Illinois law, a motorist only needs to carry:
$25,000 of liability insurance for the death or injury of an individual
$50,000 of liability insurance for death or injury total per accident
$20,000 of property damage insurance
Many people show more responsibility and purchase insurance coverage above these limits. However, your accident may involve one of the less responsible motorists. If so, the other driver’s insurance company may cover only a very small proportion of your damage claims.
Even worse, despite the mandatory insurance law, some Illinois drivers operate without any car insurance at all. A study undertaken by the Insurance Research Council estimates that 1-in-8 drivers across the nation are uninsured. Similarly, estimates for Illinois have the ratio of drivers without insurance at 15%.