Like most other states, Illinois requires all vehicle owners to have auto insurance. Getting a policy not only fulfills your legal obligations but also financially protects you and your family in the event of an accident. Here at American Auto Insurance, you can build a custom policy that meets state requirements and provides protection in various scenarios.
Here are just a few of the coverage types we offer:
Bodily injury coverage: Illinois requires all drivers to have bodily injury coverage of at least $25,000 per person per accident and $50,000 per accident. This coverage pays for costs relating to the deaths or injuries sustained by pedestrians or occupants of other vehicles, plus any costs related to your passengers who aren't members of your household.
Property damage coverage: The minimum requirement for property damage coverage is $20,000 per accident. It covers costs for damages to another person's vehicle and property such as trees, fences, signs, utility poles, or buildings.
Uninsured motorist bodily injury coverage: This policy covers your bodily injuries that result from hit-and-run accidents or at-fault drivers with no auto insurance. The state minimums for this type of coverage are $25,000 per person and $50,000 per accident.
American Auto Insurance also offers "full coverage" policies, which include collision coverage and comprehensive coverage that pays for damage to your vehicle that is not the result of a collision. While collision coverage will pay for damage to your own vehicle in the event of an accident, comprehensive coverage can protect you and your family from the exorbitant costs of damage from weather, fire, vandalism, and even theft. You may have to pay a deductible ranging from $0 to $1,000. While Illinois doesn't require this type of policy, your lender might.