While there are many automobile insurance options one may chose, there is really no such thing as a ‘full coverage’ catchall. When people speak about full automobile coverage they are generally stating that they have liability coverage, property coverage and uninsured coverage.
However, this may not mean that the driver is adequately insured. For example, Illinois law states that all drivers are required to carry liability coverage insurance of certain minimum amounts. 625 Ill. Comp. Stat. 5/7-601(a). Drivers must carry liability coverage of at least $25,000 per person for injury or death, at least $50,000 for injury or death of two or more people, and at least $20,000 for property damage of another. 625 Ill. Comp. Stat. 5/7-203. In some cases the minimum amount of coverage may not be adequate to cover all the expenses of the accident.
It is important to contact an experienced Illinois automobile accident injury attorney to evaluate your specific case.