Types of Auto Insurance

Illinois law states that you must have auto liability insurance (or the ability to pay any judgment against you) if you cause injury to another person, vehicle or other property while operating a motor vehicle. The easiest, most convenient and most comprehensive way to do this is with auto insurance from Illinois Insurance Center.

Liability insurance covers:

• Bodily Injury – Covers any bodily injury to the other party up to $20,000 per person & $40,000 per occurrence.
  
• Property Damage – Covers any property damage that you may have caused to the other party up to $15,000 per occurrence.
  
• Uninsured Motorists – This pays you and passengers in the insured vehicle monetary damages to recover from bodily injury or death caused by an uninsured or hit-and-run motorist up to $20,000 per person & $40,000 per occurrence. This is only for your bodily injury, not damage to your vehicle.
  
• Medical – You can also get medical payments with your auto insurance liability policy; this is an optional coverage and is not legally required. These payments will cover your medical coverage if you or your passengers are injured during a car accident.

Auto Insurance Options

In addition to the above mandatory auto insurance, you may opt for the following auto insurance options:

• Collision – Pays for loss or damage to your vehicle caused by collision with another vehicle or object. Payments are made based upon actual cash value of the amount of each loss above the deductible amount. The lower your deductible (amount paid out of pocket), the higher the cost of the auto insurance.
  
• Comprehensive – Pays for loss or damage to your vehicle caused by fire, theft, vandalism, weather, etc. Payments are made based upon actual cash value of the amount of each loss above the deductible amount.
  
• Repair Deductible – You will have to pay a deductible to get your vehicle fixed. After you pay your deductible, your auto insurance company pays the balance.
  
• Rental & Towing – This coverage will reimburse you if you need to have your vehicle towed following an accident or break-down or should you need to rent a vehicle following an automobile accident. Coverage and rates vary with policy stipulations.

Shopping for car insurance can be intimidating. We will automatically quote our customers the state requirements unless they ask for the higher limits. To protect yourself and your car, call the friendly and knowledgeable professionals at Illinois Insurance Center at 708-524-8757.

Easy Payment Options