Liability or State Minimum coverage includes Bodily Injury, Property Damage and Uninsured Motorist coverages. The lowest level of coverage that we offer is the State Minimum required. This keeps you legally able to drive. In Illinois, you are not required to purchase Uninsured/Underinsured Motorist coverage. However, it is considered very important that when you purchase auto insurance, you must specifically reject this coverage IN WRITING to not purchase it.