Illinois Auto Insurance Is Required By Law

It is required by law that any vehicle with Illinois license plates carry car insurance. Illinois auto insurance must be carried on motorcycles, trucks, cars, recreational vehicles and even buses. The only exemption to this law is trailers.

You can obtain Illinois auto insurance from any licensed agent or insurance company in the state. The state of Illinois monitor's the insurance companies through their Department of Insurance. On the department's website you can access tips on how insurance works from how to file a claim to renewing your policy. Here you can find valuable information on how to properly insure your vehicle. This is also where you would file or look up complaints against your Illinois auto insurance provider.

In Illinois auto insurance coverage must meet the minimal standards. For bodily injuries you must carry at least $20,000 for each person and at least $40,000 for all injuries in an individual accident. You also must carry Uninsured Motorist Insurance of at least $20,000 for an individual and a total of $40,000 per auto accident. Your insurance will also provide $15,000 for property damage.

You should consider taking out higher coverage than the Illinois auto insurance requires. This will ensure that if you are involved in an auto accident that all expenses are covered preventing law suits for the uninsured remaining amount.

It is also required by state law that you carry an Illinois auto insurance identification card in your vehicle. It must be presented to police officer's upon request or you could face fines and even suspension of your auto licenses plates and registration.

There are vehicle check points established occasionally in Illinois to check vehicles are properly insured. You should always keep details of your insurance handy like the policy number, and name of the insurance company. Having you auto insurance information is not only the law but will aid you in the event that you are in an accident. You will be able to rest assure that you insurance is their for you when you need it most.