All vehicles in Illinois must be covered by liability insurance. The driver or vehicle must bring evidence of liability coverage with them and show it to law enforcement officers if they request it. 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. Liability insurance policies in Illinois automatically include coverage for uninsured drivers with the minimum legal requirements in the event of bodily injury or death.
Fault drivers often rely on liability insurance to pay for damages, which is why Illinois law requires car owners and drivers to have a minimum amount of liability insurance. In Illinois, all drivers must have an auto insurance policy that serves as financial protection after a car accident. With a normal car insurance policy, the insurer usually pays up to a set limit, but there is no clear indication of the maximum payment that a self-insurer must cover. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance.
With Nationwide, it's easy to customize your policy with affordable Illinois auto insurance options. This type of car insurance coverage in Illinois is used to repair your vehicle when physical damage occurs due to incidents not related to a collision (subject to the deductible). Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. For more information on car insurance in Illinois, see the Illinois Department of Insurance's Auto Insurance Buying Guide.
The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. Your liability insurance covers you when you drive your car and will likely cover you if you have an accident in a rented car. As severe as these penalties are, they pale in comparison to the financial impact you could suffer if you have a car accident and don't have car insurance. If you're driving without insurance and are responsible for more than 50% of an accident, you'll eventually have to take out car insurance and ask your insurer to file an SR-22 form on your behalf.
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. Not having car insurance in many states can make you a high-risk driver when buying car insurance.