Commuting to work or taking a leisurely drive to a vacation destination can turn tragic in a split second. Car accidents come out of nowhere. Whether you are commuting to work or traveling with your family, a sudden collision can result in severe vehicle damage and physical injuries.
Add to that the process involved in filing an insurance claim, particularly if the responsible party only has a policy with the minimum liability coverage.
Options for compensation
Illinois drivers are required to have motor vehicle insurance policies to protect them if they are responsible for an accident. In addition, they must have proof of insurance with them at all times when operating their vehicles.
State Minimum coverage is an affordable option that provides coverage for you, passengers (including those in the other car), and your vehicle following an accident where another driver was negligent and caused the collision. Under the terms of the policy, the only person not covered is the driver that collided with you.
Illinois mandates a minimum of $25,000 in bodily insurance coverage for all that were injured and $50,000 per accident. Property damage policy minimums are $20,000 per accident and safeguard the assets owned by the responsible party. Uninsured motorist bodily injury coverage is set at a minimum of $25,000 per person and $50,000 per accident.
If not catastrophic, many more serious accidents result in damages exceeding the covered amount of compensation that victims are entitled to under the policy. Underinsured motorist coverage may require your insurance company to pay the difference.
Do not allow the person who caused a car accident to work out some type of “arrangement.” Their negligence has consequences. You are entitled to the maximum amount of coverage, even if they choose to have insurance that covers the bare minimum.