If you or an insured driver under your policy cause an accident that causes injuries or the death of another person or people, bodily injury liability (BIL) coverage can cover your medical expenses and lost wages. BIL can also pay your legal fees, if necessary. Each state has its own laws regarding the minimum car insurance coverage needed for each vehicle, and since Illinois drivers drive an average of 12,921 miles a year, it's important that you have the right insurance coverage. If you're interested in getting a car insurance quote in Illinois, contact your American Family Insurance agent to discuss what type of protection best fits your needs and what discounts may apply in your region.
Verify that you have current auto insurance coverage that meets that state's minimum insurance requirements. In addition, not all motorcycle insurance policies in all states cover passengers, so never assume that your liability insurance covers passengers on your motorcycle. The easiest way to demonstrate financial responsibility is with a personal auto insurance policy that meets the state's minimum insurance requirements. Without adequate auto insurance coverage, a car accident could result in severe financial losses and the loss of your driving privileges.
In addition, Illinois sends out insurance verification questionnaires at random and then verifies your answers with your insurance company. Alternatively, if the Illinois electronic insurance verification system cannot verify your vehicle coverage, you will receive an insurance verification form from the Illinois Secretary of State. Under Illinois insurance laws, auto insurance companies must offer motorcyclists UMPD and UIM coverage. Illinois auto insurance laws require that all vehicle registrants have liability insurance for all personal vehicles.
While the minimum car insurance requirements in Illinois are predefined, they are not intended to be a limit on the amount of coverage you can or should get. Illinois requires proof of insurance at all traffic stops, so you'll need to carry your most recent insurance card in your vehicle or be able to show it in another way. If the system cannot verify sufficient auto insurance coverage for a vehicle, the vehicle registrant will receive a notice in the mail with instructions for submitting proof of insurance. However, if you did not have insurance on the date listed on the form or do not provide the requested information, your enrollments will be suspended until you submit proof of insurance.