As a driver in Illinois, you must have at least the following coverage:
Bodily injury liability may help cover third-party accident-related medical expenses if you injure someone in an accident.
Property damage liability may help cover the repair or replacement costs for someone else's property if you are at fault in an accident.
Uninsured motorist coverage may help cover your medical expenses and property damage if you're involved in an accident with an uninsured driver.
Illinois requires minimum amounts of liability insurance and uninsured motorist coverage, but those minimums may not provide adequate coverage. Your agent may recommend that you purchase more than the required minimum amount of insurance.